Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.4 on a scale of 0 to 10). Excellent current capitalization (8.4 on a scale of 0 to 10) based on a risk-based capital ratio of 12.0 and a capital leverage ratio of 9.9.
Other Rating Factors:
Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.6 has resulted in Fair (3.8) profitability. Fair liquidity 3.1, driven by a liquidity ratio of 18.0 percent and a “hot money” ratio of 2.9 percent.
Asset Mix:
Comm loans (44%), cash (12%), comm re (7%), securities (4%), home mtgs (2%), consumer loans (0%), other (31%)
States with Branches:
CO, IA, IL, KS, NM, 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
Triumph Financial, Inc.
Investment Rating
Address
12700 Park Central Drive
Dallas, TX 75251
Dallas, TX 75251
Phone Number
(866) 644-3935
Year Founded
1981
FDIC Number
Website
Largest Affiliates
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