Major Rating Factors:
Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 1.0 has resulted in Fair (4.4) profitability. A current level of 0.1 percent of nonperforming loans to core capital combined with 0.2 percent from a year earlier contributes to the Excellent asset quality (7.6).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 17.4 and a capital leverage ratio of 13.4. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.4 on a scale of 0 to 10).
Asset Mix:
Comm re (32%), securities (22%), home mtgs (16%), comm loans (6%), cash (3%), consumer loans (1%), other (20%)
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
ABCT Holdings, Inc.
Investment Rating
--
Address
191 Archway Drive
Woodway, TX 76712
Woodway, TX 76712
Phone Number
(254) 741-8000
Year Founded
1939
FDIC Number
Website
Largest Affiliates
No affiliate information available.