Major Rating Factors:
Operating profits as a percentage of assets at 2.2%, coupled with a return on assets of 2.2 has resulted in Excellent (9.1) profitability. Excellent current capitalization (8.1 on a scale of 0 to 10) and a capital leverage ratio of 9.7.
Other Rating Factors:
A current level of 0.6 percent of nonperforming loans to core capital combined with 0.5 percent from a year earlier contributes to the Excellent asset quality (8.1). 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:
Comm re (29%), comm loans (21%), securities (14%), home mtgs (9%), cash (8%), consumer loans (5%), other (15%)
States with Branches:
NM
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
Carlsbad BanCorporation, Inc.
Investment Rating
--
Address
202 West Stevens Street
Carlsbad, NM 88220
Carlsbad, NM 88220
Phone Number
(575) 234-2500
Year Founded
1924
FDIC Number
Website
Largest Affiliates
There are no affiliate to display.