Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 15.5. 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 0.2 percent of nonperforming loans to core capital combined with 12.0 percent from a year earlier contributes to the Excellent asset quality (7.1). Fair liquidity 3.8, driven by a liquidity ratio of 37.6 percent and a “hot money” ratio of 36.1 percent.
Asset Mix:
Comm re (33%), cash (25%), securities (17%), home mtgs (11%), comm loans (6%), other (8%)
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.