E
Industry State Bank
Rating Date
April 2025
Risk Based
Capital Ratio
--
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Major Rating Factors: A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (1.7 on a scale of 0 to 10). Operating profits as a percentage of assets at 2.8%, coupled with a return on assets of 2.4 has resulted in Excellent (7.6) profitability.
Other Rating Factors: Fair liquidity 4.2, driven by a liquidity ratio of 23.7 percent and a “hot money” ratio of 35.3 percent. A current level of 0.2 percent of nonperforming loans to core capital combined with 22.5 percent from a year earlier contributes to the Excellent asset quality (9.6).
Asset Mix: Securities (54%), cash (18%), home mtgs (5%), comm loans (5%), comm re (4%), consumer loans (1%), other (12%)
States with Branches: TX
Asset Quality
Non-Performing Loans to Capital
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Hot Money
Corporate Info
Group Affiliation
Industry Bancshares, Inc.
Investment Rating
--
Address
16886 Fordtran Boulevard
Industry, TX 78944
Phone Number
(979) 357-4437
Year Founded
1911
FDIC Number
Largest Affiliates
E
Buffalo, TX - Bank
E
Fayetteville, TX - Bank