Major Rating Factors:
A current level of 0.0 percent of nonperforming loans to core capital combined with 4.5 percent from a year earlier contributes to the Excellent asset quality (9.7). Excellent current capitalization (8.7 on a scale of 0 to 10) and a capital leverage ratio of 10.2.
Other Rating Factors:
Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.4 has resulted in Good (5.9) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.6 on a scale of 0 to 10).
Asset Mix:
Securities (49%), home mtgs (23%), cash (8%), comm loans (2%), comm re (2%), consumer loans (1%), other (14%)
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
Commercial Company, Inc.
Investment Rating
--
Address
100 Moody Street
Mason, TX 76856
Mason, TX 76856
Phone Number
(325) 347-6324
Year Founded
1901
FDIC Number
Website
Largest Affiliates
No affiliate information available.