Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 15.3. A current level of 1.9 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.8).
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 (5.9 on a scale of 0 to 10). Fair liquidity 4.1, driven by a liquidity ratio of 25.0 percent and a “hot money” ratio of 7.6 percent.
Asset Mix:
Securities (48%), consumer loans (18%), comm loans (9%), home mtgs (7%), cash (5%), comm re (2%), other (12%)
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
Investment Rating
--
Address
14631 South FM 2790 West
Lytle, TX 78052
Lytle, TX 78052
Phone Number
(830) 709-3601
Year Founded
1910
FDIC Number
Website
Largest Affiliates
No affiliate information available.