Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 on a scale of 0 to 10). A current level of 11.2 percent of nonperforming loans to core capital combined with 9.9 percent from a year earlier contributes to the Good asset quality (5.0).
Other Rating Factors:
Excellent current capitalization (9.2 on a scale of 0 to 10) and a capital leverage ratio of 10.5. Operating profits as a percentage of assets at 1.8%, coupled with a return on assets of 1.8 has resulted in Excellent (9.1) profitability.
Asset Mix:
Comm loans (33%), comm re (20%), securities (15%), cash (13%), home mtgs (3%), consumer loans (0%), other (16%)
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
Snyder Holding Company
Investment Rating
--
Address
5009 College Avenue
Snyder, TX 79549
Snyder, TX 79549
Phone Number
(325) 573-5441
Year Founded
1950
FDIC Number
Website
Largest Affiliates
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