| Weiss Ratings |
First State Bank
Stratford, TX |
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| Rating | ||||
| Asset Quality Index | 8.50 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 3.00 | |||
| Profitability Index | 8.20 | |||
| Stability Index | 6.30 | |||
| Company Info |
First State Bank
Stratford, TX |
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| FDIC Number | 16695 | |||
| Phone Number | (806) 396-5521 | |||
| Website | www.firstclassbanking.com | |||
| Asset Quality |
First State Bank
Stratford, TX |
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| 1-Year Asset Growth | 0.16% | |||
| 5-Year Asset Growth | 7.58% | |||
| 5-Year Charge-Offs to Average Loans | 0.00% | |||
| Charge-Offs to Average Loans | 0.00% | |||
| Non-Performing Assets to Assets | 0.00% | |||
| Non-Performing Loans to Capital | 0.00% | |||
| Non-Performing Loans to Loans | 0.00% | |||
| Balance Sheet |
First State Bank
Stratford, TX |
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| Total Assets | 345.44M | |||
| Total Deposits | 308.06M | |||
| Capital and Reserves |
First State Bank
Stratford, TX |
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| Capital | 36.03M | |||
| Leverage Ratio | 11.81 | |||
| Loan Loss Reserves to Loans | 0.53% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
First State Bank
Stratford, TX |
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| Hot Money Ratio | 18.29% | |||
| Liquidity Ratio | 21.70% | |||
| Profitability |
First State Bank
Stratford, TX |
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| 5-Year Return on Average Assets | 1.66% | |||
| Net Income | 1.99M | |||
| Net Interest Spread | 3.76% | |||
| Operating Profit to Average Assets | 2.29% | |||
| Overhead Efficiency Ratio | 43.43% | |||
| Return on Assets | 2.29% | |||
| Return on Equity | 22.24% | |||