Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 13.3. 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 (8.9).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.7 on a scale of 0 to 10). Good liquidity 5.1, driven by a liquidity ratio of 45.1 percent and a “hot money” ratio of 3.3 percent.
Asset Mix:
Securities (42%), home mtgs (9%), comm loans (8%), comm re (7%), cash (6%), consumer loans (5%), other (23%)
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
Citizens Bancorp, Inc.
Investment Rating
--
Address
1320 East Loop 304
Crockett, TX 75835
Crockett, TX 75835
Phone Number
(936) 544-9661
Year Founded
1982
FDIC Number
Website
Largest Affiliates
No affiliate information available.