Bridge City State Bank
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 21.0 and a capital leverage ratio of 11.7. A current level of 1.1 percent of nonperforming loans to core capital combined with 3.8 percent from a year earlier contributes to the Excellent asset quality (9.0).
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 (5.7 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.0 has resulted in Fair (4.8) profitability.
Asset Mix:
Securities (34%), comm re (19%), home mtgs (13%), comm loans (8%), cash (6%), consumer loans (1%), other (19%)
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
The Odom AmTex Holdings Trust
Investment Rating
--
Address
701 West Roundbunch Road
Bridge City, TX 77611
Bridge City, TX 77611
Phone Number
(409) 735-3516
Year Founded
1959
FDIC Number
Website
Largest Affiliates
Shepherd, TX
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Bank
Richardson, TX
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Bank