Major Rating Factors:
A current level of 0.3 percent of nonperforming loans to core capital combined with 0.4 percent from a year earlier contributes to the Excellent asset quality (9.3). Excellent current capitalization (8.9 on a scale of 0 to 10) based on a risk-based capital ratio of 20.7 and a capital leverage ratio of 10.2.
Other Rating Factors:
Good liquidity 5.3, driven by a liquidity ratio of 19.0 percent and a “hot money” ratio of 7.1 percent. Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.8 has resulted in Fair (3.6) profitability.
Asset Mix:
Securities (55%), comm re (13%), cash (9%), home mtgs (6%), comm loans (6%), consumer loans (2%), other (8%)
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
No affiliate information available.