Major 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).
Other Rating Factors:
A current level of 1.3 percent of nonperforming loans to core capital combined with 1.7 percent from a year earlier contributes to the Excellent asset quality (8.0). Excellent current capitalization (7.9 on a scale of 0 to 10) based on a risk-based capital ratio of 15.2 and a capital leverage ratio of 9.6.
Asset Mix:
Comm re (36%), cash (23%), home mtgs (21%), comm loans (3%), consumer loans (1%), 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
Liberty Capital Bancshares, Inc.
Investment Rating
--
Address
1208 South Main Street
Boerne, TX 78006
Boerne, TX 78006
Phone Number
(830) 249-3955
Year Founded
1931
FDIC Number
Website
Largest Affiliates
No affiliate information available.