Major Rating Factors:
Excellent current capitalization (8.0 on a scale of 0 to 10) based on a risk-based capital ratio of 16.9 and a capital leverage ratio of 9.7. A current level of 5.7 percent of nonperforming loans to core capital combined with 4.5 percent from a year earlier contributes to the Good asset quality (6.5).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.5 on a scale of 0 to 10). Fair liquidity 3.3, driven by a liquidity ratio of 17.8 percent and a “hot money” ratio of 18.8 percent.
Asset Mix:
Securities (31%), comm re (17%), home mtgs (13%), cash (7%), comm loans (6%), consumer loans (1%), other (25%)
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
TXN Bancshares, Inc.
Investment Rating
--
Address
103 19th Street
Hondo, TX 78861
Hondo, TX 78861
Phone Number
(830) 426-3066
Year Founded
1936
FDIC Number
Website
Largest Affiliates
No affiliate information available.