Major Rating Factors:
Operating profits as a percentage of assets at 2.7%, coupled with a return on assets of 2.7 has resulted in Excellent (9.8) profitability. Excellent current capitalization (8.7 on a scale of 0 to 10) based on a risk-based capital ratio of 14.4 and a capital leverage ratio of 10.1.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.9 on a scale of 0 to 10). Fair liquidity 3.1, driven by a liquidity ratio of 30.8 percent and a “hot money” ratio of 10.3 percent.
Asset Mix:
Comm loans (28%), comm re (22%), securities (15%), home mtgs (9%), consumer loans (3%), cash (1%), other (23%)
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
Andrews Bancshares, Inc.
Investment Rating
--
Address
1501 North Main Street
Andrews, TX 79714
Andrews, TX 79714
Phone Number
(432) 523-6800
Year Founded
1945
FDIC Number
Website
Largest Affiliates
There are no affiliate to display.