Major Rating Factors:
Excellent current capitalization (8.0 on a scale of 0 to 10) and a capital leverage ratio of 9.7. A current level of 5.0 percent of nonperforming loans to core capital combined with 7.8 percent from a year earlier contributes to the Good asset quality (5.9).
Other Rating Factors:
Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.0 has resulted in Fair (4.2) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.8 on a scale of 0 to 10).
Asset Mix:
Securities (32%), comm re (17%), home mtgs (12%), cash (9%), comm loans (6%), consumer loans (1%), other (23%)
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
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