Two Arkansas banks generated Texas Ratios above 100 at year-end 2014. Twelve months later, the number grew to three, with Heartland Bank of Bryant (112.28) joining Pinnacle Bank of Rogers (139.3) and Allied Bank of Mulberry (183).
The ratio compares the number of loans at risk and the amount of OREO (“other real estate owned”) with the amount a lender has on hand to cover any losses, in the form of equity capital and loan loss reserves.
The numbers drop off severely for the next tier of four lenders in a ranking of Texas Ratios. All are below 45 percent, and lower is better.
| 12-31-15 | 9-30-15 | Total Assets* | |
| Allied Bank, Mulberry | 183 | 153.76 | $79,327 |
| Pinnacle Bank, Rogers | 139.3 | 145.45 | $88,447 |
| Heartland Bank, Bryant | 112.28 | 52.55 | $241,442 |
| First State Bank, Lonoke | 44.36 | 46.04 | $252,239 |
| One Bank & Trust, Little Rock | 40.63 | 45.89 | $325,945 |
| Home Bank of Arkansas, Portland | 36.94 | 40.2 | $74,689 |
| Priority Bank, Fayetteville | 36.02 | 32.77 | $82,358 |
*In thousands.