First National Bank in Port Lavaca
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 13.0. A current level of 9.3 percent of nonperforming loans to core capital combined with 10.7 percent from a year earlier contributes to the Good asset quality (6.8).
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 (5.8 on a scale of 0 to 10). Fair liquidity 3.6, driven by a liquidity ratio of 22.8 percent and a “hot money” ratio of 12.3 percent.
Asset Mix:
Home mtgs (32%), securities (28%), cash (12%), comm re (11%), comm loans (3%), consumer loans (2%), other (12%)
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
Coastal Bend Bancshares, Inc.
Investment Rating
--
Address
1101 Highway 35 South
Port Lavaca, TX 77979
Port Lavaca, TX 77979
Phone Number
(361) 552-6726
Year Founded
1957
FDIC Number
Website
Largest Affiliates
Corpus Christi, TX
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Bank