Major Rating Factors:
Excellent current capitalization (7.9 on a scale of 0 to 10) based on a risk-based capital ratio of 15.1 and a capital leverage ratio of 9.6. A current level of 3.4 percent of nonperforming loans to core capital combined with 1.8 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 (7.8 on a scale of 0 to 10). Fair liquidity 4.0, driven by a liquidity ratio of 27.3 percent and a “hot money” ratio of 6.0 percent.
Asset Mix:
Securities (28%), comm re (21%), comm loans (11%), home mtgs (8%), cash (5%), consumer loans (0%), other (27%)
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
Rio Financial Services, Inc.
Investment Rating
--
Address
701 East Expressway 83
McAllen, TX 78501
McAllen, TX 78501
Phone Number
(956) 631-7890
Year Founded
1985
FDIC Number
Website
Largest Affiliates
No affiliate information available.