Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 19.1 and a capital leverage ratio of 12.0. Operating profits as a percentage of assets at 3.1%, coupled with a return on assets of 3.1 has resulted in Excellent (9.8) profitability.
Other Rating Factors:
A current level of 0.2 percent of nonperforming loans to core capital combined with 0.6 percent from a year earlier contributes to the Excellent asset quality (8.3). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.5 on a scale of 0 to 10).
Asset Mix:
Comm re (25%), securities (21%), comm loans (18%), cash (6%), consumer loans (2%), home mtgs (1%), other (28%)
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
Sandhills Bancshares, Inc.
Investment Rating
--
Address
1405 South Stockton Avenue
Monahans, TX 79756
Monahans, TX 79756
Phone Number
(432) 943-4230
Year Founded
1960
FDIC Number
Website
Largest Affiliates
No affiliate information available.