Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 23.7 and a capital leverage ratio of 12.7. Operating profits as a percentage of assets at 5.1%, coupled with a return on assets of 5.1 has resulted in Excellent (8.6) profitability.
Other Rating Factors:
A current level of 3.5 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.6). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.6 on a scale of 0 to 10).
Asset Mix:
Cash (25%), comm loans (23%), securities (14%), comm re (1%), other (36%)
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.