First Security State Bank
Major Rating Factors:
A current level of 2.3 percent of nonperforming loans to core capital combined with 0.1 percent from a year earlier contributes to the Excellent asset quality (8.6). Good current capitalization (5.5 on a scale of 0 to 10) based on a risk-based capital ratio of 20.1 and a capital leverage ratio of 7.5.
Other 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. Fair liquidity 4.3, driven by a liquidity ratio of 46.2 percent and a “hot money” ratio of 18.4 percent.
Asset Mix:
Securities (48%), home mtgs (26%), cash (8%), comm re (5%), consumer loans (2%), comm loans (1%), other (10%)
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
No affiliate information available.