Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 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 (6.1) profitability.
Other Rating Factors:
Excellent current capitalization (8.3 on a scale of 0 to 10) and a capital leverage ratio of 9.9. A current level of 2.5 percent of nonperforming loans to core capital combined with 2.2 percent from a year earlier contributes to the Excellent asset quality (7.9).
Asset Mix:
Home mtgs (36%), comm re (19%), securities (13%), comm loans (4%), cash (3%), consumer loans (1%), other (24%)
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
Texas Peoples National Bancshares, Inc.
Investment Rating
--
Address
35 South Plaza
Paris, TX 75460
Paris, TX 75460
Phone Number
(903) 783-3800
Year Founded
1988
FDIC Number
Website
Largest Affiliates
No affiliate information available.