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The Texas ratio hinges upon dividing the bank’s non-performing assets by its tangible common equity and loan-loss reserves. Tangible common is equity capital less goodwill and intangibles. As the ratio approaches 1.0, the bank’s risk of failure goes up.
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So inside of the end, you’ll get a nice deal on the house considering the bank will just care about getting your money back they need and you will not have dealing with problems like evicting the residents or paying due taxes.
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