Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 12.2. Operating profits as a percentage of assets at 3.0%, coupled with a return on assets of 3.0 has resulted in Excellent (9.0) profitability.
Other Rating Factors:
A current level of 0.0 percent of nonperforming loans to core capital combined with 0.0 percent from a year earlier contributes to the Excellent asset quality (8.6). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.0 on a scale of 0 to 10).
Asset Mix:
Cash (33%), comm re (26%), securities (25%), home mtgs (3%), comm loans (3%), home eq lns (2%), consumer loans (2%), other (6%)
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
Citadel Bancorp, Inc.
Investment Rating
--
Address
899 NE Alsbury Boulevard
Burleson, TX 76028
Burleson, TX 76028
Phone Number
(817) 295-0461
Year Founded
1981
FDIC Number
Website
Largest Affiliates
No affiliate information available.