Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 38.5 and a capital leverage ratio of 11.8. A current level of 0.0 percent of nonperforming loans to core capital combined with 0.1 percent from a year earlier contributes to the Excellent asset quality (9.8).
Other Rating Factors:
Good liquidity 5.7, driven by a liquidity ratio of 64.1 percent and a “hot money” ratio of 22.6 percent. Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.4 has resulted in Good (5.7) profitability.
Asset Mix:
Securities (54%), cash (23%), home mtgs (7%), comm re (3%), comm loans (2%), consumer loans (1%), other (10%)
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
701 Main Street
Junction, TX 76849
Junction, TX 76849
Phone Number
(325) 446-2531
Year Founded
1935
FDIC Number
Website
Largest Affiliates
No affiliate information available.