Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (5.0 on a scale of 0 to 10). A current level of 8.5 percent of nonperforming loans to core capital contributes to the Good asset quality (5.6).
Other Rating Factors:
Operating profits as a percentage of assets at 2.8%, coupled with a return on assets of 2.2 has resulted in Excellent (10.0) profitability. Excellent current capitalization (9.9 on a scale of 0 to 10) based on a risk-based capital ratio of 14.5 and a capital leverage ratio of 10.9.
Asset Mix:
Comm re (16%), comm loans (12%), securities (5%), cash (2%), consumer loans (0%), other (64%)
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
Sundown Bankshares, Inc.
Investment Rating
--
Address
501 South Slaughter Avenue
Sundown, TX 79372
Sundown, TX 79372
Phone Number
(806) 229-2111
Year Founded
1963
FDIC Number
Website
Largest Affiliates
No affiliate information available.