Major Rating Factors:
Excellent current capitalization (9.2 on a scale of 0 to 10) based on a risk-based capital ratio of 26.8 and a capital leverage ratio of 10.5. Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.6 has resulted in Good (6.6) profitability.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.9 on a scale of 0 to 10). Fair liquidity 4.8, driven by a liquidity ratio of 32.3 percent and a “hot money” ratio of 2.2 percent.
Asset Mix:
Securities (50%), comm re (13%), cash (9%), home mtgs (7%), comm loans (6%), consumer loans (2%), other (13%)
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
Palmer Bancshares, Inc.
Investment Rating
--
Address
8045 North Interstate 45 Service Road
Palmer, TX 75152
Palmer, TX 75152
Phone Number
(972) 449-2283
Year Founded
1930
FDIC Number
Website
Largest Affiliates
No affiliate information available.