Major Rating Factors:
Excellent current capitalization (7.6 on a scale of 0 to 10) and a capital leverage ratio of 9.4. A current level of 3.0 percent of nonperforming loans to core capital combined with 0.8 percent from a year earlier contributes to the Good asset quality (6.9).
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 (6.6) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.2 on a scale of 0 to 10).
Asset Mix:
Securities (34%), cash (14%), comm re (11%), home mtgs (10%), comm loans (4%), consumer loans (3%), other (24%)
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
Groesbeck Bancshares, Inc.
Investment Rating
--
Address
121 South Ellis Street
Groesbeck, TX 76642
Groesbeck, TX 76642
Phone Number
(254) 729-3272
Year Founded
1913
FDIC Number
Largest Affiliates
There are no affiliate to display.