Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Very Weak overall stability index (0.7 on a scale of 0 to 10).
Other Rating Factors:
Good liquidity 5.7, driven by a liquidity ratio of 30.1 percent and a “hot money” ratio of 31.4 percent. A current level of 0.1 percent of nonperforming loans to core capital combined with -1.4 percent from a year earlier contributes to the Excellent asset quality (9.7).
Asset Mix:
Securities (59%), cash (15%), comm loans (6%), home mtgs (4%), comm re (4%), consumer loans (1%), other (11%)
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
Industry Bancshares, Inc.
Investment Rating
--
Address
1330 West Commerce Street
Buffalo, TX 75831
Buffalo, TX 75831
Phone Number
(903) 322-4256
Year Founded
1925
FDIC Number
Largest Affiliates
Shiner, TX
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Bank
Industry, TX
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Bank
Bellville, TX
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Bank
Fayetteville, TX
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Bank
Brenham, TX
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Bank