Major Rating Factors:
A current level of 1.0 percent of nonperforming loans to core capital combined with 1.2 percent from a year earlier contributes to the Excellent asset quality (8.8). Excellent current capitalization (8.0 on a scale of 0 to 10) based on a risk-based capital ratio of 16.5 and a capital leverage ratio of 9.7.
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 (7.2 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.6 has resulted in Good (6.6) profitability.
Asset Mix:
Comm re (26%), cash (26%), home mtgs (13%), securities (10%), comm loans (5%), consumer loans (0%), other (20%)
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
Greater Southwest Bancshares, Inc.
Investment Rating
--
Address
108 West Northwest Highway
Grapevine, TX 76051
Grapevine, TX 76051
Phone Number
(817) 310-3555
Year Founded
1986
FDIC Number
Website
Largest Affiliates
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