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For the Texas Ratio calculation, a bank's available capital is the sum total of its equity capital and its loan loss reserves. Equity capital is essentially the book value of the bank -- its total assets minus its liabilities.
All of the inputs needed for the Texas ratio are reported to the Federal Deposit Insurance Corporation (FDIC) by member banks on a quarterly basis. Every quarter, the FDIC discloses the number of banks on its problem banks list.. The FDIC doesn't release the names on its list, it only says how many banks are on it. But it's widely believed that some version of the Texas ratio forms the basis for the FDIC's list. Click here to see InvestingAnswers' list of The 359 Safest Banks in America. Or to learn how to use the Texas ratio to see if your bank is in trouble.