Major Rating Factors:
A current level of 0.0 percent of nonperforming loans to core capital combined with 0.0 percent from a year earlier contributes to the Excellent asset quality (9.4). Excellent current capitalization (8.0 on a scale of 0 to 10) based on a risk-based capital ratio of 31.0 and a capital leverage ratio of 9.6.
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 (5.7 on a scale of 0 to 10). Good liquidity 5.3, driven by a liquidity ratio of 61.3 percent and a “hot money” ratio of 36.8 percent.
Asset Mix:
Securities (40%), cash (36%), comm loans (4%), comm re (2%), consumer loans (2%), home mtgs (0%), other (16%)
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
Kress National Bancshares, Inc.
Investment Rating
--
Address
US Highway 87 & West Fourth Street
Kress, TX 79052
Kress, TX 79052
Phone Number
(806) 684-2231
Year Founded
1963
FDIC Number
Website
Largest Affiliates
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