Major Rating Factors:
Excellent current capitalization (9.4 on a scale of 0 to 10) and a capital leverage ratio of 10.6. A current level of 0.0 percent of nonperforming loans to core capital combined with 8.8 percent from a year earlier contributes to the Excellent asset quality (7.6).
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 Excellent (7.1) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10).
Asset Mix:
Securities (49%), cash (27%), comm loans (4%), comm re (3%), consumer loans (3%), home mtgs (1%), other (12%)
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
Investment Rating
--
Address
206 North Main Street
Cotulla, TX 78014
Cotulla, TX 78014
Phone Number
(830) 879-2331
Year Founded
1904
FDIC Number
Website
Largest Affiliates
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