Major Rating Factors:
A current level of 0.3 percent of nonperforming loans to core capital contributes to the Fair asset quality (4.3).
Other Rating Factors:
Excellent current capitalization (9.5 on a scale of 0 to 10) and a capital leverage ratio of 10.7. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.9 on a scale of 0 to 10).
Asset Mix:
Home mtgs (24%), comm re (22%), cash (21%), comm loans (6%), securities (1%), consumer loans (1%), other (24%)
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
Fidelity Bancshares, Inc.
Investment Rating
--
Address
1901 West Lake Shore Drive
Waco, TX 76708
Waco, TX 76708
Phone Number
(254) 755-6555
Year Founded
1973
FDIC Number
Website
Largest Affiliates
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