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 6.6 percent of nonperforming loans to core capital combined with 3.4 percent from a year earlier contributes to the Good asset quality (5.3).
Other Rating Factors:
Operating profits as a percentage of assets at 2.2%, coupled with a return on assets of 2.2 has resulted in Excellent (9.1) profitability. Excellent current capitalization (8.6 on a scale of 0 to 10) based on a risk-based capital ratio of 15.0 and a capital leverage ratio of 10.1.
Asset Mix:
Comm re (30%), home mtgs (22%), comm loans (14%), securities (10%), cash (9%), consumer loans (8%), 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
FSB Bancshares, Inc.
Investment Rating
--
Address
200 North Brazosport Boulevard
Clute, TX 77531
Clute, TX 77531
Phone Number
(979) 265-2511
Year Founded
1958
FDIC Number
Website
Largest Affiliates
No affiliate information available.