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). Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 1.7 has resulted in Excellent (7.6) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 18.7 and a capital leverage ratio of 12.0. A current level of 3.8 percent of nonperforming loans to core capital combined with 2.7 percent from a year earlier contributes to the Excellent asset quality (8.3).
Asset Mix:
Home mtgs (45%), comm re (15%), cash (14%), securities (3%), comm loans (1%), consumer loans (0%), 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
Texas Banc Financial Corporation
Investment Rating
--
Address
400 Fisk Avenue
Brownwood, TX 76801
Brownwood, TX 76801
Phone Number
(325) 649-9200
Year Founded
1966
FDIC Number
Website
Largest Affiliates
No affiliate information available.