First Texas Bank
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 20.9 and a capital leverage ratio of 11.3. Operating profits as a percentage of assets at 2.4%, coupled with a return on assets of 1.9 has resulted in Excellent (9.2) profitability.
Other Rating Factors:
A current level of 2.2 percent of nonperforming loans to core capital combined with 4.1 percent from a year earlier contributes to the Excellent asset quality (8.8). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (7.0 on a scale of 0 to 10).
Asset Mix:
Securities (44%), comm re (21%), cash (9%), home mtgs (7%), comm loans (2%), home eq lns (1%), consumer loans (1%), other (15%)
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
First Texas Bancorp, Inc.
Investment Rating
--
Address
900 South Austin Avenue
Georgetown, TX 78626
Georgetown, TX 78626
Phone Number
(512) 863-2567
Year Founded
1898
FDIC Number
Website
Largest Affiliates
Lampasas, TX
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Bank