Major Rating Factors:
Excellent current capitalization (9.0 on a scale of 0 to 10) based on a risk-based capital ratio of 37.6 and a capital leverage ratio of 13.6. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.8 on a scale of 0 to 10).
Other 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 (8.2) profitability. A current level of 2.9 percent of nonperforming loans to core capital combined with 1.3 percent from a year earlier contributes to the Excellent asset quality (7.0).
Asset Mix:
Securities (62%), cash (6%), comm re (5%), home mtgs (4%), comm loans (3%), consumer loans (1%), other (21%)
States with Branches:
AZ, 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
Lordsburg Financial Corporation
Investment Rating
--
Address
140 East Motel Drive
Lordsburg, NM 88045
Lordsburg, NM 88045
Phone Number
(575) 542-3521
Year Founded
1907
FDIC Number
Website
Largest Affiliates
No affiliate information available.