Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 29.6 and a capital leverage ratio of 11.9. 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 (8.9).
Other Rating Factors:
Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 1.7 has resulted in Good (7.0) profitability. Fair liquidity 4.9, driven by a liquidity ratio of 37.8 percent and a “hot money” ratio of 5.6 percent.
Asset Mix:
Securities (51%), home mtgs (16%), cash (8%), consumer loans (7%), comm re (5%), comm loans (3%), other (9%)
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
West Bancshares, Inc.
Investment Rating
--
Address
200 West Oak Street
West, TX 76691
West, TX 76691
Phone Number
(254) 826-5333
Year Founded
1893
FDIC Number
Website
Largest Affiliates
No affiliate information available.