Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 23.5 and a capital leverage ratio of 11.9. Operating profits as a percentage of assets at 2.3%, coupled with a return on assets of 1.8 has resulted in Excellent (9.2) profitability.
Other Rating Factors:
A current level of 0.0 percent of nonperforming loans to core capital combined with 2.0 percent from a year earlier contributes to the Excellent asset quality (8.9). 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:
Home mtgs (29%), securities (29%), comm re (11%), cash (11%), comm loans (5%), consumer loans (3%), other (13%)
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
Arrowhead Company
Investment Rating
--
Address
108 West Sandstone Street
Llano, TX 78643
Llano, TX 78643
Phone Number
(325) 247-5741
Year Founded
1923
FDIC Number
Largest Affiliates
There are no affiliate to display.