Vitals
  • Total Assets
    185.4M 2.1 %
  • Total Deposits
    162.3M 2.0 %
  • Total Net Loans
    101.4M -1.2 %
  • Net Income
    1.6M 42.2 %
  • Book Value
    21.6M 1.8 %
  • Book Value x2
    43.2M 1.8 %
  • Book Value x3
    64.8M 1.8 %
ROAA

1.683

ROAE

14.773

Efficiency Ratio

59.01

Net Interest Margin

4.016

Balance Sheet Highlights
Financial Highlights Planters & Merchants State Bank All Insured Commercial Banks in Texas
Balance Sheet $(000)
Total Assets 185,361 136,444
Total Net Loans 101,432 78,130
Total Deposits 162,302 115,688
Total Equity 21,599 13,665
Profitability
Net Income 1,580 1,832
Return on Average Assets 1.683 1.352
Return on Average Equity 14.773 13.827
Net Interest Margin 4.016 4.405
Efficiency Ratio 59.01 67.031
Noninterest Income/Revenue 13.26 16.222
Balance Sheet Ratios
Loan-to-Deposit 62.496 63.664
Securities/Assets .207 .671
Total Equity/Total Assets .117 .1
Tangible Equity/Tangible Assets .11 -.068
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 20,471 13,034
Tier 2 Capital 1,242 905
Total Capital 21,713 13,955
Total Risk Weighted Assets 105,915 87,320
Leverage Ratio 11.06 10.119
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 19.33 17.245
Total Capital Ratio 20.5 18.31

Timeline for Planters & Merchants State Bank

First Victoria National Bank

Planters & Merchants State Bank was acquired by First Victoria National Bank 18 years

View Profile Sep 01 2005

Homestead Bank, S.S.B.

Acquisition: Planters & Merchants State Bank acquired a new subsidiary, Homestead Bank, S.S.B., 26 years

View Profile Nov 11 1997

Planters And Merchants Delaware Financial Corporation

Planters And Merchants Delaware Financial Corporation became a new parent organization for Planters & Merchants State Bank.

View Profile Sep 01 1995

Planters & Merchants Bancshares, Inc.

Planters & Merchants Bancshares, Inc. became a new parent organization for Planters & Merchants State Bank.

View Profile May 29 1979

Planters & Merchants State Bank

Planters & Merchants State Bank was established 117 years ago and is currently headquartered in Hearne, TX.

Jan 01 1907
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
First Victoria National Bank Buyer 2,471,099 Acquisition Discontinued 9/1/2005
Homestead Bank, S.S.B. Seller 31,127 Pooling of Interests Discontinued 11/11/1997
Relationships Role Relationship Start Relationship End
Planters And Merchants Delaware Financial Corporation Parent 9/1/1995 8/31/2005
Planters & Merchants Bancshares, Inc. Parent 12/31/1980 8/31/1995
Planters & Merchants Bancshares, Inc. Parent 5/29/1979 12/30/1980
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