First Texas Bank
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (5.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 2.0%, coupled with a return on assets of 1.6 has resulted in Excellent (7.5) profitability.
Other Rating Factors:
Excellent current capitalization (9.6 on a scale of 0 to 10) based on a risk-based capital ratio of 19.9 and a capital leverage ratio of 10.9. A current level of 0.3 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.7).
Asset Mix:
Securities (46%), comm re (21%), home mtgs (8%), cash (6%), comm loans (2%), home eq lns (1%), consumer loans (1%), other (16%)
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