Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.7 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.2 has resulted in Good (6.1) profitability.
Other Rating Factors:
Excellent current capitalization (9.5 on a scale of 0 to 10) and a capital leverage ratio of 10.7. A current level of 2.3 percent of nonperforming loans to core capital combined with 0.5 percent from a year earlier contributes to the Good asset quality (6.6).
Asset Mix:
Comm re (36%), cash (16%), comm loans (7%), home mtgs (4%), securities (4%), consumer loans (0%), other (34%)
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
Schertz Bancshares Corporation
Investment Rating
--
Address
519 Main Street
Schertz, TX 78154
Schertz, TX 78154
Phone Number
(210) 945-7400
Year Founded
1913
FDIC Number
Website
Largest Affiliates
No affiliate information available.