Major Rating Factors:
Excellent current capitalization (8.3 on a scale of 0 to 10) and a capital leverage ratio of 9.9. Operating profits as a percentage of assets at 1.8%, coupled with a return on assets of 1.8 has resulted in Excellent (8.2) profitability.
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 (7.6 on a scale of 0 to 10). A current level of 3.5 percent of nonperforming loans to core capital combined with 2.3 percent from a year earlier contributes to the Good asset quality (5.8).
Asset Mix:
Cash (35%), home mtgs (27%), comm re (14%), consumer loans (13%), comm loans (5%), securities (2%), other (5%)
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
No affiliate information available.