Major Rating Factors:
A current level of 0.1 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.4). Operating profits as a percentage of assets at 2.2%, coupled with a return on assets of 2.2 has resulted in Excellent (8.6) profitability.
Other Rating Factors:
Excellent current capitalization (8.5 on a scale of 0 to 10) based on a risk-based capital ratio of 23.0 and a capital leverage ratio of 10.0. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.6 on a scale of 0 to 10).
Asset Mix:
Securities (41%), comm re (16%), cash (8%), home mtgs (6%), comm loans (5%), consumer loans (1%), other (23%)
States with Branches:
NM
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
FNB Financial Corporation
Investment Rating
--
Address
600 Douglas Avenue
Las Vegas, NM 87701
Las Vegas, NM 87701
Phone Number
(505) 425-7584
Year Founded
1949
FDIC Number
Website
Largest Affiliates
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