Major Rating Factors:
Excellent current capitalization (7.1 on a scale of 0 to 10) based on a risk-based capital ratio of 24.3 and a capital leverage ratio of 9.1. A current level of 4.7 percent of nonperforming loans to core capital combined with 5.6 percent from a year earlier contributes to the Good asset quality (6.3).
Other Rating Factors:
Good liquidity 5.3, driven by a liquidity ratio of 42.4 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 (4.9 on a scale of 0 to 10).
Asset Mix:
Securities (48%), cash (23%), comm loans (11%), comm re (5%), consumer loans (2%), home mtgs (2%), other (8%)
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.