Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 36.0 and a capital leverage ratio of 16.3. A current level of 0.0 percent of nonperforming loans to core capital combined with 0.0 percent from a year earlier contributes to the Excellent asset quality (10.0).
Other Rating Factors:
Excellent liquidity 7.5, driven by a liquidity ratio of 98.5 percent and a “hot money” ratio of 16.8 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.6 on a scale of 0 to 10).
Asset Mix:
Securities (65%), cash (28%), home mtgs (2%), comm loans (1%), consumer loans (1%), comm re (0%), other (3%)
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
Central Texas Bankshare Holdings, Inc.
Investment Rating
--
Address
1102 Milam Street
Columbus, TX 78934
Columbus, TX 78934
Phone Number
(979) 732-5786
Year Founded
1919
FDIC Number
Website
Largest Affiliates
No affiliate information available.