Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 12.3. A current level of 0.0 percent of nonperforming loans to core capital combined with 0.0 percent from a year earlier contributes to the Excellent asset quality (9.1).
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 (5.8 on a scale of 0 to 10). Fair liquidity 4.8, driven by a liquidity ratio of 53.8 percent and a “hot money” ratio of 14.3 percent.
Asset Mix:
Securities (43%), comm re (12%), cash (12%), home mtgs (9%), comm loans (5%), consumer loans (1%), other (18%)
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
136 East Washington
Burnet, TX 78611
Burnet, TX 78611
Phone Number
(512) 756-2191
Year Founded
1908
FDIC Number
Website
Largest Affiliates
No affiliate information available.