Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 12.7. A current level of 0.2 percent of nonperforming loans to core capital combined with 0.2 percent from a year earlier contributes to the Excellent asset quality (8.5).
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 (6.2 on a scale of 0 to 10). Fair liquidity 4.3, driven by a liquidity ratio of 51.5 percent and a “hot money” ratio of 17.1 percent.
Asset Mix:
Securities (34%), comm loans (15%), comm re (14%), cash (13%), home mtgs (5%), 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
Victory Financial Corporation
Investment Rating
--
Address
4710 4Th Street
Lubbock, TX 79416
Lubbock, TX 79416
Phone Number
(806) 412-1635
Year Founded
1917
FDIC Number
Website
Largest Affiliates
No affiliate information available.