Texas Ratio and the Reggie Ratio are two indicators that try to predict how much a bank is in credit troubles.

Texas Ratio is used by professionals to measure and analyze banks "and states" financial health, it was created by Gerard Cassidy and other RBC analysts during the 80's.

Texas Ratio and the Reggie Ratio are numbers that show how well a bank is performing, you can seen here a list of banks classified by their Texas Ratio : http://www.lewrockwell.com/chris/banks/banks.html

i think that a Bank should not have a Texas Ratio superior to 100%, otherwise she will go bankrupt.

There is a great Real Time Texa Ratio/ FDIC score calculator here http://nuscho.com