Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 11.7. Operating profits as a percentage of assets at 1.8%, coupled with a return on assets of 1.8 has resulted in Excellent (8.0) profitability.
Other Rating Factors:
A current level of 4.5 percent of nonperforming loans to core capital combined with 7.3 percent from a year earlier contributes to the Good asset quality (6.0). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10).
Asset Mix:
Securities (26%), home mtgs (22%), comm loans (12%), consumer loans (12%), comm re (6%), cash (5%), other (17%)
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
Citizens State Financial Corporation
Investment Rating
--
Address
300 North Home Street
Corrigan, TX 75939
Corrigan, TX 75939
Phone Number
(936) 398-2566
Year Founded
1919
FDIC Number
Website
Largest Affiliates
No affiliate information available.