Last April I presented Texas Ratio peer data for 2009; I thought I’d give you an update one year later. This isn’t meant to be an extensive analysis, just the quick facts. Based on available bank data for 12/31/2010 (see note #1):
- 345 Banks have a Texas Ratio of greater than 100%
- the typical Texas Ratio ranges between 4.1% and 37.8%
- the average is 29.1%
- Nearly one-third of the banks above the 100% mark are in Georgia, Florida, or Illinois
- Six other states have 10 or more banks with ratios above 100%
(MN:20, MO:16, WA:13, CA:13, CO:12, NC:10)
The total number of 345 is up slightly over the 337 from one-year ago. The state distribution hasn’t changed all that much either.
Note #1: We used the preliminary FFIEC call report data available in mid February of 2011. As a result our sample size was only 6559 banks, some call report data was not yet public available at that time. Also, some banks may have re-filed their call report since then.