First State Bank of Ben Wheeler, Texas
Major Rating Factors:
Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 1.1 has resulted in Fair (4.4) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 on a scale of 0 to 10).
Other Rating Factors:
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 (7.0). Good current capitalization (7.0 on a scale of 0 to 10) and a capital leverage ratio of 15.1.
Asset Mix:
Securities (50%), home mtgs (16%), comm loans (5%), consumer loans (3%), comm re (3%), cash (1%), other (23%)
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
14269 State Highway 64
Ben Wheeler, TX 75754
Ben Wheeler, TX 75754
Phone Number
(903) 833-5861
Year Founded
1911
FDIC Number
Website
Largest Affiliates
No affiliate information available.