Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 12.8. Operating profits as a percentage of assets at 2.4%, coupled with a return on assets of 2.4 has resulted in Excellent (9.0) profitability.
Other Rating Factors:
A current level of 0.0 percent of nonperforming loans to core capital combined with 0.0 percent from a year earlier contributes to the Excellent asset quality (8.5). 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:
Securities (26%), comm re (13%), cash (9%), home mtgs (8%), comm loans (7%), consumer loans (1%), other (37%)
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
Stratford Bancshares, Inc.
Investment Rating
--
Address
302 North Main Street
Stratford, TX 79084
Stratford, TX 79084
Phone Number
(806) 396-5521
Year Founded
1948
FDIC Number
Website
Largest Affiliates
No affiliate information available.