Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 21.1 and a capital leverage ratio of 12.9. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (10.0 on a scale of 0 to 10).
Other Rating Factors:
A current level of 4.1 percent of nonperforming loans to core capital combined with 2.9 percent from a year earlier contributes to the Excellent asset quality (8.1). Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 1.4 has resulted in Fair (3.7) profitability.
Asset Mix:
Securities (33%), comm re (27%), home mtgs (8%), cash (8%), comm loans (4%), consumer loans (1%), other (19%)
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
Lone Star National Bancshares--Texas, Inc.
Investment Rating
--
Address
206 West Ferguson
Pharr, TX 78577
Pharr, TX 78577
Phone Number
(956) 984-2991
Year Founded
1983
FDIC Number
Largest Affiliates
There are no affiliate to display.