Bank of Texas

1005 Congress Avenue, Suite 100
Austin, TX 78701

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 11942
Date Established 1907
Assets $0.08 billion
Loans $0.03 billion
Deposits $0.07 billion
Capital $0.01 billion

Bank of Texas is an FDIC insured institution located in Austin, TX. It was founded in 1907 and has approximately $0.08 billion in assets.

For a more detailed analysis of Bank of Texas's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in Bank of Texas’s loan portfolio are 1-4 Family Residential Loans, Multifamily Mortgages, and Credit Card Loans.

Compared to other banks, Bank of Texas’s loan portfolio does not show any specific loan specialty.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 0.00
Multifamily
Mortgages
0.00
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 0.00
Construction and Development Loans 0.00
Commercial Real Estate 0.00
Commercial and Industrial Loans 0.00
Farm Loans 0.00

Deposit Rates

Your Current Location: Virginia, VA 20146

There are currently no rates available for Bank Of Texas, but see these great savings and CD rates:

1.25% APY Online Savings Account from Ally Bank
1.60% APY 11 Month CD from Ally Bank

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Bank of Texas

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2017

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Poli Mortgage Group Inc
NMLS ID: 1979
License#: MC-5501
3.875% 3.875% 0.00 $0 $1,176 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2017

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.240% $217.33 Learn More

Note to Bank of Texas
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Bank of Texas branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Bank of Texas Locations

Financial Details

Bank of Texas Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Bank of Texas. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Bank of Texas U.S. Bank Average
4.58% 8.45

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of June 30, 2017, Bank of Texas had $336,000 in non-current loans and $38,000 in owned real estate. To cover these potential losses it had $7,443,000 in equity and $716,000 in loans loss reserves. That gives it a Texas Ratio of 4.58%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity
Bank of Texas U.S. Bank Average
-9.83% 8.58

Bank of Texas has a Return on Equity of -9.83% versus the BestCashCow average of 8.58. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Bank of Texas U.S. Bank Average
9.55% 12.11

Bank of Texas has a Capitalization of 9.55% versus the BestCashCow average of 12.11. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Bank of Texas Balance Sheet Analysis

As of December 31, 2011, Bank of Texas had assets of $77,920,000, loans of $26,867,000, and deposits of $70,428,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Frequently Asked Questions About Bank of Texas

Branches and Savings

Is Bank of Texas FDIC insured?

Yes. It is covered under FDIC Certificate #11942.

Why does Bank of Texas pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Bank of Texas CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Bank of Texas a commercial bank?

Yes

Where are Bank of Texas locations?

See branch locations nearby.

Is Bank of Texas open on Saturdays?

Is Bank of Texas open on Sundays?

What time does Bank of Texas open?

What time does Bank of Texas close?

Are Bank of Texas ATMs Open 24/7?

Do Bank of Texas ATMs accept cash deposits?

Can Bank of Texas customers use other ATMs?

Do Bank of Texas branches have notaries?

Will Bank of Texas notarize my document?

What address for Bank of Texas should I put for incoming ACH transfers?

Will the Bank of Texas branch print checks?

Do Bank of Texas checks expire?

Does Bank of Texas require US citizenship to open account?

Can Bank of Texas close my account?

Does Bank of Texas Report to credit bureaus?

Does Bank of Texas Use Equifax?

What is Bank of Texas's ACH Routing Number?

What is Bank of Texas's SWIFT code?

Products

Does Bank of Texas offer mortgages?

Compare mortgage rates here.

Does Bank of Texas offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Bank of Texas offer personal loans?

Compare personal loan rates here.

Does Bank of Texas offer student loans?

Will Bank of Texas cash a check?

Will Bank of Texas redeem a savings bond?

Does Bank of Texas cash savings bonds?

Will Bank of Texas cash money orders?

Can Bank of Texas issue a money order?

Does Bank of Texas do currency exchange?

Background on The Bank

Who owns Bank of Texas?

How long has Bank of Texas been around?

Can Bank of Texas transfer to other banks?

Does Bank of Texas have quick pay?

Does Bank of Texas accept rolled coins?

Will Bank of Texas accept loose change?

Where is Bank of Texas headquarters?

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