Major 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 (9.6). Operating profits as a percentage of assets at 2.2%, coupled with a return on assets of 2.2 has resulted in Excellent (8.4) profitability.
Other Rating Factors:
Excellent current capitalization (7.3 on a scale of 0 to 10) based on a risk-based capital ratio of 24.3 and a capital leverage ratio of 9.2. Good liquidity 5.6, driven by a liquidity ratio of 62.5 percent and a “hot money” ratio of 14.4 percent.
Asset Mix:
Securities (48%), comm re (13%), cash (9%), home mtgs (6%), comm loans (4%), consumer loans (1%), other (19%)
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
No affiliate information available.