Major Rating Factors:
A current level of 0.3 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.9). Excellent current capitalization (8.3 on a scale of 0 to 10) based on a risk-based capital ratio of 19.3 and a capital leverage ratio of 9.9.
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 (6.4 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.4 has resulted in Good (5.9) profitability.
Asset Mix:
Home mtgs (35%), securities (23%), comm re (10%), cash (10%), comm loans (5%), consumer loans (2%), other (15%)
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
Westex Bancorp, Inc.
Investment Rating
--
Address
1200 Veterans Boulevard
Del Rio, TX 78840
Del Rio, TX 78840
Phone Number
(830) 774-2555
Year Founded
1910
FDIC Number
Website
Largest Affiliates
No affiliate information available.