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FDIC Bank Health Monitoring

How much stress is your bank carrying?

The Texas Ratio weighs a bank's problem loans against the capital it holds to absorb them. Look up any FDIC-insured bank and see the figure from its latest quarterly filing.

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Official FDIC Call Report data
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Quarterly Updated each filing cycle

How to read the Texas Ratio

A ratio, not a verdict

It compares problem loans to the capital set aside to absorb them. Above 100% means problem assets exceed that cushion — a reason to look closer, not a prediction of failure.

Quarterly, not live

Every figure comes from the bank's most recent FDIC Call Report. Each result shows the quarter it came from, so you always know how current it is.

The information provided on this website is for general informational purposes only. The inclusion of any financial institution does not indicate it is at risk of failure. The Texas Ratio is one of many metrics and should not be considered in isolation.

Bankfailures.fyi does not guarantee the accuracy, completeness, or timeliness of any information presented. All metrics are calculated from publicly available FDIC data but represent a limited view of a bank's overall financial condition.

Banking conditions can change rapidly, and every figure here reflects a quarterly filing that may be several months old. No single financial ratio can definitively predict bank stability or failure.

Consult qualified financial professionals before making any financial decisions. By using this site, you acknowledge and accept these limitations.