Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 15.0. A current level of 0.8 percent of nonperforming loans to core capital combined with 2.1 percent from a year earlier contributes to the Excellent asset quality (8.5).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.8 on a scale of 0 to 10). Fair liquidity 4.2, driven by a liquidity ratio of 42.9 percent and a “hot money” ratio of 29.2 percent.
Asset Mix:
Securities (39%), comm re (17%), cash (12%), comm loans (12%), consumer loans (6%), other (14%)
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
Marion Bancshares, Inc.
Investment Rating
--
Address
301 West San Antonio Street
Marion, TX 78124
Marion, TX 78124
Phone Number
(830) 420-2331
Year Founded
1906
FDIC Number
Largest Affiliates
No affiliate information available.