Major Rating Factors:
Excellent current capitalization (9.1 on a scale of 0 to 10) based on a risk-based capital ratio of 15.7 and a capital leverage ratio of 10.4. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.5 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 1.4 has resulted in Good (6.5) profitability. A current level of 4.2 percent of nonperforming loans to core capital combined with 4.0 percent from a year earlier contributes to the Good asset quality (6.2).
Asset Mix:
Comm re (32%), cash (14%), securities (14%), home mtgs (7%), comm loans (2%), consumer loans (0%), other (31%)
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
ANB Bancshares, Inc.
Investment Rating
--
Address
1606 North Sarah DeWitt Drive
Gonzales, TX 78629
Gonzales, TX 78629
Phone Number
(830) 672-8585
Year Founded
1984
FDIC Number
Website
Largest Affiliates
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