Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (1.4 on a scale of 0 to 10).
Other Rating Factors:
A current level of 0.0 percent of nonperforming loans to core capital combined with 5.0 percent from a year earlier contributes to the Excellent asset quality (9.4). Excellent current capitalization (7.5 on a scale of 0 to 10) based on a risk-based capital ratio of 31.8 and a capital leverage ratio of 9.3.
Asset Mix:
Securities (57%), cash (21%), home mtgs (9%), comm re (6%), consumer loans (1%), comm loans (1%), other (5%)
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
Ganado Bancshares, Inc.
Investment Rating
--
Address
201 South Third Street
Ganado, TX 77962
Ganado, TX 77962
Phone Number
(361) 771-3391
Year Founded
1908
FDIC Number
Website
Largest Affiliates
No affiliate information available.