Major Rating Factors:
A current level of 13.8 percent of nonperforming loans to core capital combined with 9.9 percent from a year earlier contributes to the Fair asset quality (3.1). Operating profits as a percentage of assets at 4.1%, coupled with a return on assets of 4.1 has resulted in Excellent (9.8) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 13.8. 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).
Asset Mix:
Comm re (75%), cash (10%), securities (5%), comm loans (1%), home mtgs (0%), other (9%)
States with Branches:
IL, 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
SBT Bancshares, Inc.
Investment Rating
--
Address
111 W John Carpenter Freeway
Irving, TX 75039
Irving, TX 75039
Phone Number
(972) 252-6000
Year Founded
1987
FDIC Number
Website
Largest Affiliates
No affiliate information available.