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 2.5 percent of nonperforming loans to core capital combined with 2.4 percent from a year earlier contributes to the Good asset quality (5.7).
Other Rating Factors:
Excellent current capitalization (8.2 on a scale of 0 to 10) and a capital leverage ratio of 9.8. Operating profits as a percentage of assets at 1.9%, coupled with a return on assets of 1.9 has resulted in Excellent (7.7) profitability.
Asset Mix:
Comm re (22%), comm loans (19%), home mtgs (14%), cash (9%), securities (3%), consumer loans (0%), other (33%)
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
Circle I Bank Group, Inc.
Investment Rating
--
Address
1617 Broadway Street
Lubbock, TX 79401
Lubbock, TX 79401
Phone Number
(806) 798-9700
Year Founded
1909
FDIC Number
Website
Largest Affiliates
There are no affiliate to display.