Major Rating Factors:
Excellent current capitalization (8.7 on a scale of 0 to 10) based on a risk-based capital ratio of 19.2 and a capital leverage ratio of 10.2. A current level of 9.0 percent of nonperforming loans to core capital contributes to the Good asset quality (6.3).
Other Rating Factors:
Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.0 has resulted in Fair (4.8) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.8 on a scale of 0 to 10).
Asset Mix:
Securities (35%), home mtgs (18%), comm re (10%), cash (9%), consumer loans (3%), comm loans (2%), other (24%)
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
The Odom AmTex Holdings Trust
Investment Rating
--
Address
5850 Highway 59 South
Shepherd, TX 77371
Shepherd, TX 77371
Phone Number
(936) 628-3312
Year Founded
1921
FDIC Number
Website
Largest Affiliates
Bridge City, TX
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Bank
Richardson, TX
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Bank