First Security State Bank
Major Rating Factors:
A current level of 0.5 percent of nonperforming loans to core capital combined with 1.8 percent from a year earlier contributes to the Excellent asset quality (9.2). Good current capitalization (5.5 on a scale of 0 to 10) based on a risk-based capital ratio of 20.5 and a capital leverage ratio of 7.5.
Other Rating Factors:
Fair liquidity 4.2, driven by a liquidity ratio of 43.3 percent and a “hot money” ratio of 17.8 percent. Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 1.0 has resulted in Fair (4.2) profitability.
Asset Mix:
Securities (47%), home mtgs (25%), cash (9%), comm re (5%), comm loans (2%), consumer loans (2%), 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.