Major Rating Factors:
Excellent current capitalization (8.6 on a scale of 0 to 10) and a capital leverage ratio of 10.1. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.6 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.6 has resulted in Good (6.9) profitability. A current level of 6.0 percent of nonperforming loans to core capital combined with 4.7 percent from a year earlier contributes to the Good asset quality (5.1).
Asset Mix:
Cash (32%), home mtgs (26%), comm re (13%), consumer loans (11%), securities (9%), comm loans (5%), other (4%)
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
D Bancorp, Inc.
Investment Rating
--
Address
2011 North Hampton Road
DeSoto, TX 75115
DeSoto, TX 75115
Phone Number
(972) 780-7777
Year Founded
1986
FDIC Number
Website
Largest Affiliates
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