Preston National Bank

5644 Lbj Freeway
Dallas, TX 75240


General Bank Information

FDIC Insured Yes
FDIC Certificate # 26222
Date Established 1985
Assets $0.06 billion
Loans $0.06 billion
Deposits $0.05 billion
Capital $0.01 billion

Preston National Bank is an FDIC insured institution located in Dallas, TX. It was founded in 1985 and has approximately $0.06 billion in assets.

For a more detailed analysis of Preston National Bank'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 Preston National Bank’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Commercial and Industrial Loans.

Compared to other banks, Preston National Bank’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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 37.12
Credit Card Loans 1.17
Consumer Auto Loans 0.42
Small Business Loans 18.57
Construction and Development Loans 15.81
Commercial Real Estate 25.67
Commercial and Industrial Loans 19.68
Farm Loans 0.00

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Preston National Bank

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 2018

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4.556% 4.500% 0.13 $1,632 $1,267 Learn More
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4.564% 4.500% 0.25 $1,878 $1,267 Learn More NMLS#2890
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Quicken Loans NMLS #3030
NMLS ID: 3030
5.125% 5.125% 0.00 $0 $1,362 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2018

Lender Rate (%) Monthly Payment Learn More
Flagstar Bank 5.490% $283.58 Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.990% $238.42 Learn More

Note to Preston National Bank
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Financial Details

Preston National Bank Ratio Analysis

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

Texas Ratio
Preston National Bank U.S. Bank Average
5.79% 8.32%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of September 30, 2017, Preston National Bank had $126,000 in non-current loans and $436,000 in owned real estate. To cover these potential losses it had $8,901,000 in equity and $803,000 in loans loss reserves. That gives it a Texas Ratio of 5.79%.

Return on Equity
Preston National Bank U.S. Bank Average
14.5% 8.84%

Preston National Bank has a Return on Equity of 14.5% versus the BestCashCow average of 8.84%. 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.

Preston National Bank U.S. Bank Average
14.24% 12.21%

Preston National Bank has a Capitalization of 14.24% versus the BestCashCow average of 12.21. 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.

Preston National Bank Balance Sheet Analysis

As of March 31, 2015, Preston National Bank had assets of $58,792,000, loans of $58,843,000, and deposits of $49,952,000. 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.

Summary Balance Sheet

Cash & Balances due from depository institutions $0.00 billion
Interest-bearing balances $0.00 billion
Total securities $0.00 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.06 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.00 billion
     Total Assets $0.00 billion
Total deposits $0.05 billion
      Interest-bearing deposits $0.00 billion
      Deposits held in domestic offices $0.00 billion
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.00 billion
      Shareholders’ Equity $0.06 billion

Summary Income Statement

Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Frequently Asked Questions About Preston National Bank

Branches and Savings

Is Preston National Bank FDIC insured?

Yes. It is covered under FDIC Certificate #26222.

Why does Preston National Bank pay such low interest on savings accounts?

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

Why are Preston National Bank CD rates not competitive?

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Is Preston National Bank a commercial bank?


Where are Preston National Bank locations?

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Is Preston National Bank open on Saturdays?

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Does Preston National Bank require US citizenship to open account?

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Does Preston National Bank offer mortgages?

Compare mortgage rates here.

Does Preston National Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Preston National Bank offer personal loans?

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Does Preston National Bank offer student loans?

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Background on The Bank

Who owns Preston National Bank?

How long has Preston National Bank been around?

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