Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 12.0. A current level of 0.9 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:
Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.6 has resulted in Good (5.9) profitability. Good liquidity 5.7, driven by a liquidity ratio of 65.7 percent and a “hot money” ratio of 25.8 percent.
Asset Mix:
Securities (53%), cash (23%), home mtgs (7%), comm re (3%), comm loans (2%), consumer loans (2%), 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
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Address
701 Main Street
Junction, TX 76849
Junction, TX 76849
Phone Number
(325) 446-2531
Year Founded
1935
FDIC Number
Website
Largest Affiliates
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