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 (3.9) profitability. A current level of 1.7 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.5).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 28.2 and a capital leverage ratio of 16.5. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.7 on a scale of 0 to 10).
Asset Mix:
Comm re (19%), cash (17%), home mtgs (14%), securities (13%), comm loans (7%), consumer loans (2%), home eq lns (1%), other (28%)
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
Sanger Bancshares, Inc.
Investment Rating
--
Address
1405 West Chapman Drive
Sanger, TX 76266
Sanger, TX 76266
Phone Number
(940) 458-4600
Year Founded
1987
FDIC Number
Website
Largest Affiliates
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