Major Rating Factors:
Operating profits as a percentage of assets at 0.4%, coupled with a return on assets of 0.3 has resulted in Weak (1.3) profitability. A current level of 4.7 percent of nonperforming loans to core capital contributes to the Good asset quality (6.7).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 11.7. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.8 on a scale of 0 to 10).
Asset Mix:
Comm re (23%), securities (21%), cash (14%), comm loans (12%), home mtgs (0%), consumer loans (0%), other (29%)
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
Patrons Holdings, Inc.
Investment Rating
--
Address
220 Jackson Street
Eden, TX 76837
Eden, TX 76837
Phone Number
(325) 869-5511
Year Founded
1986
FDIC Number
Website
Largest Affiliates
Del Rio, TX
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Bank