Major Rating Factors:
Excellent current capitalization (8.7 on a scale of 0 to 10) based on a risk-based capital ratio of 18.2 and a capital leverage ratio of 10.1. A current level of 3.0 percent of nonperforming loans to core capital combined with 1.5 percent from a year earlier contributes to the Excellent asset quality (7.8).
Other 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 (7.4 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.2 has resulted in Good (5.6) profitability.
Asset Mix:
Cash (26%), comm re (24%), home mtgs (17%), securities (11%), comm loans (3%), 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
First Commercial Financial Corp
Investment Rating
--
Address
1336 East Court Street
Seguin, TX 78155
Seguin, TX 78155
Phone Number
(830) 379-8390
Year Founded
1983
FDIC Number
Website
Largest Affiliates
No affiliate information available.