Major Rating Factors:
A current level of 8.3 percent of nonperforming loans to core capital combined with 4.1 percent from a year earlier contributes to the Fair asset quality (4.2).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 12.7. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.2 on a scale of 0 to 10).
Asset Mix:
Securities (41%), home mtgs (12%), comm re (12%), cash (9%), comm loans (8%), other (18%)
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
Commerce Financial Corporation
Investment Rating
--
Address
112 Fordtran Street
Stockdale, TX 78160
Stockdale, TX 78160
Phone Number
(830) 996-3125
Year Founded
1932
FDIC Number
Website
Largest Affiliates
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