Bridge City State Bank

Chartered Bank Active FDIC Insured
Health Score
9.1 / 10

701 W Round Bunch Rd, Bridge City, TX 77611

Financial Overview

Total Assets $264.3M
Total Deposits $218.6M
Profitability (ROA) 1.06%
Shareholder Return (ROE) 13.64%
Capital Cushion (Eq/Assets) 7.63%
Established 02/27/1960

Financial Health Analysis

Bridge City State Bank is a currently active commercial lending specialization banking institution headquartered in Bridge City, Texas. Established in 02/27/1960, this institution operates under regulatory supervision and is fully insured by the FDIC.

As a financial institution, Bridge City State Bank manages $264.3M in total assets and holds $218.6M in customer deposits. When evaluating the stability of Bridge City State Bank, one of the most critical metrics is its Capital Cushion (Equity-to-Assets Ratio). At 7.63%, this indicates how much financial loss the bank can absorb before depositors' funds are placed at risk. A strong equity cushion is a key indicator of a bank's ability to weather economic downturns.

In terms of operational efficiency, the bank's Return on Assets (ROA) is 1.06%, while its Return on Equity (ROE) sits at 13.64%. These robust metrics contribute to an overall health score of 9.1 out of 10, signaling a well-capitalized and efficiently managed operation that effectively balances risk and shareholder return.

Risk & Growth Profiles

✓ Clean Regulatory Record

No recent history of FDIC conservatorship or financial failure.

Deposit Momentum

$72.9M avg deposits per branch.

Measures how much capital the bank holds against its physical footprint. A higher ratio indicates a highly liquid, lower-overhead lending profile.

Operations & Contact

Contact

Website: www.bridgecitybank.com

FDIC Certificate #: 18155

Specialization: Commercial Lending Specialization

Location

701 W Round Bunch Rd

Bridge City, Texas 77611

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