Major Rating Factors:
Excellent current capitalization (7.2 on a scale of 0 to 10) based on a risk-based capital ratio of 26.6 and a capital leverage ratio of 9.1. A current level of 4.6 percent of nonperforming loans to core capital combined with 5.9 percent from a year earlier contributes to the Good asset quality (6.5).
Other Rating Factors:
Good liquidity 5.7, driven by a liquidity ratio of 50.5 percent and a “hot money” ratio of 10.9 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.7 on a scale of 0 to 10).
Asset Mix:
Securities (42%), cash (34%), comm loans (10%), comm re (3%), consumer loans (2%), home mtgs (1%), other (7%)
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
San Diego Bancshares, Inc.
Investment Rating
--
Address
209 East Gravis Street
San Diego, TX 78384
San Diego, TX 78384
Phone Number
(361) 279-3316
Year Founded
1954
FDIC Number
Website
Largest Affiliates
No affiliate information available.