Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 27.0 and a capital leverage ratio of 14.2. Operating profits as a percentage of assets at 3.0%, coupled with a return on assets of 2.4 has resulted in Excellent (9.8) profitability.
Other Rating Factors:
A current level of 0.3 percent of nonperforming loans to core capital combined with 0.1 percent from a year earlier contributes to the Excellent asset quality (8.9). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (7.0 on a scale of 0 to 10).
Asset Mix:
Securities (29%), comm re (23%), cash (13%), home mtgs (8%), comm loans (8%), consumer loans (1%), other (17%)
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
Vision Bancshares, Inc.
Investment Rating
--
Address
6721 McPherson Road
Laredo, TX 78041
Laredo, TX 78041
Phone Number
(956) 722-8333
Year Founded
1983
FDIC Number
Website
Largest Affiliates
No affiliate information available.