Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 16.7. Operating profits as a percentage of assets at 2.8%, coupled with a return on assets of 2.2 has resulted in Excellent (9.8) profitability.
Other Rating Factors:
A current level of 0.0 percent of nonperforming loans to core capital combined with 0.1 percent from a year earlier contributes to the Excellent asset quality (8.8). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.0 on a scale of 0 to 10).
Asset Mix:
Securities (23%), cash (23%), comm loans (16%), comm re (12%), home mtgs (6%), consumer loans (1%), other (18%)
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
Odem Bancshares, Inc.
Investment Rating
--
Address
201 Main Street
Odem, TX 78370
Odem, TX 78370
Phone Number
(361) 368-2651
Year Founded
1945
FDIC Number
Website
Largest Affiliates
No affiliate information available.