Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 15.8 and a capital leverage ratio of 11.9. A current level of 2.6 percent of nonperforming loans to core capital combined with 0.3 percent from a year earlier contributes to the Good asset quality (7.0).
Other Rating Factors:
Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 1.4 has resulted in Good (6.8) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10).
Asset Mix:
Comm re (32%), securities (14%), comm loans (10%), home mtgs (8%), cash (7%), consumer loans (1%), other (28%)
States with Branches:
TX
Corporate Info
Community Bank Holdings of Texas, Inc.
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321 North 15th Street
Corsicana, TX 75110
Corsicana, TX 75110
(903) 654-4500
1960
Largest Affiliates
No affiliate information available.