Texas First Bank
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 (5.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 1.7 has resulted in Good (6.1) profitability.
Other Rating Factors:
A current level of 1.9 percent of nonperforming loans to core capital combined with 0.6 percent from a year earlier contributes to the Excellent asset quality (8.1). Good current capitalization (7.0 on a scale of 0 to 10) and a capital leverage ratio of 10.0.
Asset Mix:
Securities (33%), comm re (25%), comm loans (8%), home mtgs (7%), cash (4%), 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
Texas Independent Bancshares, Inc.
Investment Rating
--
Address
3232 Palmer Highway
Texas City, TX 77590
Texas City, TX 77590
Phone Number
(409) 948-1990
Year Founded
1982
FDIC Number
Website
Largest Affiliates
There are no affiliate to display.