Major Rating Factors:
A current level of 1.4 percent of nonperforming loans to core capital combined with 1.1 percent from a year earlier contributes to the Excellent asset quality (8.8). Good current capitalization (6.8 on a scale of 0 to 10) based on a risk-based capital ratio of 13.6 and a capital leverage ratio of 8.8.
Other 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 (4.0 on a scale of 0 to 10). Fair liquidity 3.6, driven by a liquidity ratio of 18.5 percent and a “hot money” ratio of 8.7 percent.
Asset Mix:
Securities (31%), comm re (26%), home mtgs (12%), comm loans (5%), cash (2%), 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
1875
FDIC Number
Website
Largest Affiliates
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