Major Rating Factors:
Excellent current capitalization (8.5 on a scale of 0 to 10) and a capital leverage ratio of 10.0. A current level of 1.3 percent of nonperforming loans to core capital combined with 7.2 percent from a year earlier contributes to the Excellent asset quality (8.3).
Other Rating Factors:
Good liquidity 5.2, driven by a liquidity ratio of 75.4 percent and a “hot money” ratio of 52.2 percent. Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.9 has resulted in Fair (3.9) profitability.
Asset Mix:
Cash (36%), securities (34%), home mtgs (12%), consumer loans (5%), comm loans (2%), comm re (2%), other (9%)
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
Investment Rating
--
Address
235 Centennial Street
Carmine, TX 78932
Carmine, TX 78932
Phone Number
(979) 278-3244
Year Founded
1907
FDIC Number
Website
Largest Affiliates
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