First Security State Bank
Major Rating Factors:
A current level of 0.1 percent of nonperforming loans to core capital combined with 0.0 percent from a year earlier contributes to the Excellent asset quality (8.8). Good current capitalization (5.6 on a scale of 0 to 10) based on a risk-based capital ratio of 21.0 and a capital leverage ratio of 7.6.
Other Rating Factors:
Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.4 has resulted in Good (5.4) profitability. Fair liquidity 4.4, driven by a liquidity ratio of 47.0 percent and a “hot money” ratio of 19.6 percent.
Asset Mix:
Securities (47%), home mtgs (26%), cash (9%), comm re (5%), consumer loans (2%), comm loans (2%), other (9%)
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
Bosque Bancshares, Inc.
Investment Rating
--
Address
307 North Third Street
Cranfills Gap, TX 76637
Cranfills Gap, TX 76637
Phone Number
(254) 597-2286
Year Founded
1910
FDIC Number
Website
Largest Affiliates
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