Major Rating Factors:
A current level of 1.0 percent of nonperforming loans to core capital combined with 0.6 percent from a year earlier contributes to the Excellent asset quality (9.4). Excellent current capitalization (8.6 on a scale of 0 to 10) and a capital leverage ratio of 10.1.
Other Rating Factors:
Fair liquidity 4.6, driven by a liquidity ratio of 14.1 percent and a “hot money” ratio of 6.7 percent. Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 1.0 has resulted in Fair (3.9) profitability.
Asset Mix:
Securities (51%), comm re (13%), cash (12%), home mtgs (8%), comm loans (7%), consumer loans (2%), other (7%)
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
Anahuac Bancshares, Inc.
Investment Rating
--
Address
801 South Ross Sterling
Anahuac, TX 77514
Anahuac, TX 77514
Phone Number
(409) 267-3106
Year Founded
1976
FDIC Number
Website
Largest Affiliates
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