Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.2 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.4 has resulted in Weak (1.0) profitability.
Other Rating Factors:
A current level of 0.5 percent of nonperforming loans to core capital combined with 0.7 percent from a year earlier contributes to the Excellent asset quality (8.7). Good current capitalization (6.8 on a scale of 0 to 10) based on a risk-based capital ratio of 13.4 and a capital leverage ratio of 8.8.
Asset Mix:
Securities (32%), comm re (25%), home mtgs (12%), comm loans (4%), cash (3%), home eq lns (1%), consumer loans (0%), other (22%)
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
A.N.B. Holding Company, Ltd.
Investment Rating
--
Address
102 West Moore Avenue
Terrell, TX 75160
Terrell, TX 75160
Phone Number
(972) 524-3411
Year Founded
FDIC Number
Website
Largest Affiliates
No affiliate information available.