Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 17.9 and a capital leverage ratio of 12.3. Operating profits as a percentage of assets at 2.2%, coupled with a return on assets of 2.2 has resulted in Excellent (8.1) profitability.
Other Rating Factors:
A current level of 0.8 percent of nonperforming loans to core capital combined with 0.8 percent from a year earlier contributes to the Excellent asset quality (7.9). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10).
Asset Mix:
Cash (24%), comm loans (10%), consumer loans (8%), comm re (6%), home mtgs (5%), securities (3%), other (44%)
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
Dublin Bancshares, Inc.
Investment Rating
--
Address
825 North Patrick Street
Dublin, TX 76446
Dublin, TX 76446
Phone Number
(254) 445-4400
Year Founded
1985
FDIC Number
Website
Largest Affiliates
No affiliate information available.