SouthTrust Bank, N.A.
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 19.9 and a capital leverage ratio of 11.6. A current level of 0.4 percent of nonperforming loans to core capital combined with 0.6 percent from a year earlier contributes to the Excellent asset quality (9.0).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.5 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 1.1 has resulted in Fair (3.2) profitability.
Asset Mix:
Comm re (28%), securities (23%), home mtgs (21%), cash (12%), comm loans (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
Live Oak Bancshares Corporation
Investment Rating
--
Address
601 Guadalupe Street
George West, TX 78022
George West, TX 78022
Phone Number
(361) 449-1571
Year Founded
1934
FDIC Number
Website
Largest Affiliates
No affiliate information available.