Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 18.0 and a capital leverage ratio of 11.4. Operating profits as a percentage of assets at 3.1%, coupled with a return on assets of 3.1 has resulted in Excellent (9.5) profitability.
Other Rating Factors:
A current level of 0.3 percent of nonperforming loans to core capital combined with 2.4 percent from a year earlier contributes to the Excellent asset quality (8.2). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (7.0 on a scale of 0 to 10).
Asset Mix:
Securities (24%), comm re (23%), comm loans (21%), cash (8%), consumer loans (2%), home mtgs (1%), other (21%)
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.