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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.
To calculate the debt-to-equity ratio, we take total liabilities divided by total equity. If Computech has total liabilities of $17,500 and total equity of $9,500 ($17,500/$9,500), their debt-to-equity ratio is 1.84. The debt-to-equity ratio is a baseline ratio, meaning there is a minimum standard.