Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 16.9 and a capital leverage ratio of 12.3. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (10.0 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.3 has resulted in Good (6.6) profitability. A current level of 8.2 percent of nonperforming loans to core capital combined with 2.7 percent from a year earlier contributes to the Fair asset quality (4.8).
Asset Mix:
Comm re (33%), cash (13%), securities (12%), comm loans (9%), home mtgs (8%), 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.