Major Rating Factors:
Operating profits as a percentage of assets at 2.5%, coupled with a return on assets of 2.5 has resulted in Excellent (9.1) profitability. A current level of 0.6 percent of nonperforming loans to core capital combined with 0.9 percent from a year earlier contributes to the Excellent asset quality (8.6).
Other Rating Factors:
Excellent current capitalization (7.2 on a scale of 0 to 10) based on a risk-based capital ratio of 13.9 and a capital leverage ratio of 9.1. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10).
Asset Mix:
Securities (23%), home mtgs (17%), comm re (14%), cash (11%), comm loans (4%), consumer loans (2%), other (29%)
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
Coleman Bancshares, Inc.
Investment Rating
--
Address
118 West Pecan Street
Coleman, TX 76834
Coleman, TX 76834
Phone Number
(325) 625-2172
Year Founded
FDIC Number
Website
Largest Affiliates
No affiliate information available.