Major Rating Factors:
Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.1 has resulted in Fair (4.7) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.7 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 16.6. A current level of 1.0 percent of nonperforming loans to core capital combined with 0.9 percent from a year earlier contributes to the Good asset quality (7.0).
Asset Mix:
Comm re (17%), home mtgs (14%), cash (11%), securities (8%), comm loans (5%), home eq lns (2%), consumer loans (1%), other (41%)
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
Investment Rating
--
Address
840 North Cage Boulevard
Pharr, TX 78577
Pharr, TX 78577
Phone Number
(956) 687-4260
Year Founded
1986
FDIC Number
Website
Largest Affiliates
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