Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 11.6. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.3 on a scale of 0 to 10).
Other Rating Factors:
A current level of 13.3 percent of nonperforming loans to core capital combined with 5.8 percent from a year earlier contributes to the Good asset quality (5.6). Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.5 has resulted in Good (5.2) profitability.
Asset Mix:
Comm loans (30%), comm re (22%), securities (15%), cash (15%), home mtgs (7%), consumer loans (0%), other (11%)
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
Odessa SouthWest Bancshares, Inc.
Investment Rating
--
Address
4800 East 42nd Street
Odessa, TX 79762
Odessa, TX 79762
Phone Number
(432) 552-5000
Year Founded
1947
FDIC Number
Website
Largest Affiliates
No affiliate information available.