Major Rating Factors:
Excellent current capitalization (9.2 on a scale of 0 to 10) based on a risk-based capital ratio of 14.1 and a capital leverage ratio of 10.4. Operating profits as a percentage of assets at 2.0%, coupled with a return on assets of 1.6 has resulted in Good (7.0) profitability.
Other Rating Factors:
A current level of 1.1 percent of nonperforming loans to core capital combined with 5.3 percent from a year earlier contributes to the Good asset quality (6.7). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10).
Asset Mix:
Comm re (37%), cash (14%), comm loans (9%), securities (8%), home mtgs (7%), consumer loans (1%), other (24%)
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
Community Bank Holdings of Texas, Inc.
Investment Rating
--
Address
321 North 15th Street
Corsicana, TX 75110
Corsicana, TX 75110
Phone Number
(903) 654-4500
Year Founded
1960
FDIC Number
Website
Largest Affiliates
No affiliate information available.