Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 22.6 and a capital leverage ratio of 13.9. Operating profits as a percentage of assets at 5.7%, coupled with a return on assets of 5.7 has resulted in Excellent (10.0) profitability.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (9.0 on a scale of 0 to 10). A current level of 3.6 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.5).
Asset Mix:
Comm loans (27%), securities (20%), cash (16%), comm re (2%), other (35%)
States with Branches:
TX
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Investment Rating
--
Address
109 North Crowley Road
Crowley, TX 76036
Crowley, TX 76036
Phone Number
(817) 297-4331
Year Founded
1970
FDIC Number
Website
Largest Affiliates
No affiliate information available.
