Major Rating Factors:
Excellent current capitalization (8.7 on a scale of 0 to 10) based on a risk-based capital ratio of 13.8 and a capital leverage ratio of 10.1. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.1 on a scale of 0 to 10).
Other Rating Factors:
A current level of 4.2 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.4). Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 1.4 has resulted in Good (6.8) profitability.
Asset Mix:
Securities (23%), comm re (18%), home mtgs (7%), comm loans (7%), cash (2%), consumer loans (1%), other (42%)
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
Peoples Bancorp, Inc.
Investment Rating
--
Address
5820 82nd Street
Lubbock, TX 79424
Lubbock, TX 79424
Phone Number
(806) 794-0044
Year Founded
1968
FDIC Number
Website
Largest Affiliates
No affiliate information available.