Security State Bank & Trust
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 11.7. Operating profits as a percentage of assets at 2.0%, coupled with a return on assets of 2.0 has resulted in Excellent (8.9) profitability.
Other Rating Factors:
A current level of 7.1 percent of nonperforming loans to core capital combined with 7.3 percent from a year earlier contributes to the Good asset quality (6.7). 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:
Comm re (20%), securities (16%), home mtgs (12%), comm loans (10%), cash (8%), consumer loans (2%), other (34%)
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
Security Holding Company
Investment Rating
--
Address
201 West Main Street
Fredericksburg, TX 78624
Fredericksburg, TX 78624
Phone Number
(830) 997-7575
Year Founded
1941
FDIC Number
Website
Largest Affiliates
No affiliate information available.