Major Rating Factors:
A current level of 0.0 percent of nonperforming loans to core capital combined with 0.4 percent from a year earlier contributes to the Excellent asset quality (8.8). Operating profits as a percentage of assets at 2.1%, coupled with a return on assets of 2.1 has resulted in Excellent (8.6) profitability.
Other Rating Factors:
Excellent current capitalization (8.4 on a scale of 0 to 10) based on a risk-based capital ratio of 13.8 and a capital leverage ratio of 9.9. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10).
Asset Mix:
Home mtgs (29%), comm re (23%), cash (16%), comm loans (9%), securities (7%), home eq lns (1%), consumer loans (0%), 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
CentraBanc Corporation
Investment Rating
--
Address
8320 West Highway 84
Waco, TX 76712
Waco, TX 76712
Phone Number
(254) 776-3800
Year Founded
1977
FDIC Number
Website
Largest Affiliates
No affiliate information available.