Major Rating Factors:
Operating profits as a percentage of assets at 1.9%, coupled with a return on assets of 1.9 has resulted in Excellent (8.6) profitability. A current level of 0.9 percent of nonperforming loans to core capital combined with 3.5 percent from a year earlier contributes to the Excellent asset quality (8.1).
Other Rating Factors:
Excellent current capitalization (7.9 on a scale of 0 to 10) and a capital leverage ratio of 9.6. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10).
Asset Mix:
Comm re (23%), comm loans (21%), securities (15%), cash (14%), home mtgs (9%), consumer loans (5%), other (13%)
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
No affiliate information available.