A bank's earnings performance affects its long-term survivability. A bank can retain its earnings, giving a boost to its capital buffer, or put them to work addressing problematic loans, potentially making the bank better able to withstand economic trouble. Conversely, losses lessen a bank's ability to do those things.
On Bankrate's earnings test, Icon Bank of Texas, National Association scored 18 out of a possible 30, beating out the national average of 15.12.
One widely used way to measure a bank's earnings is return on equity, or net income (profit, basically) divided by total equity. Icon Bank of Texas, National Association's most recent annualized quarterly return on equity was 10.13 percent, above the national average of 8.10 percent.
The bank earned net income of $7.3 million on total equity of $75.3 million for the twelve months ended December 31, 2017. The bank had an annualized return on average assets, or ROA, of 0.91 percent, below the 1 percent deemed satisfactory in accordance with industry standards and below the average for U.S. banks of 1.00 percent.