Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 15.6. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (10.0 on a scale of 0 to 10).
Other Rating Factors:
A current level of 8.8 percent of nonperforming loans to core capital combined with 12.2 percent from a year earlier contributes to the Good asset quality (5.2). Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.1 has resulted in Fair (4.9) profitability.
Asset Mix:
Comm re (36%), cash (22%), securities (18%), home mtgs (10%), comm loans (5%), other (9%)
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
UTB Financial Holding Company
Investment Rating
--
Address
13101 Preston Road
Dallas, TX 75240
Dallas, TX 75240
Phone Number
(972) 239-7000
Year Founded
1986
FDIC Number
Website
Largest Affiliates
No affiliate information available.