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 (3.7 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.8%, coupled with a return on assets of 1.8 has resulted in Good (6.9) profitability.
Other Rating Factors:
A current level of 1.9 percent of nonperforming loans to core capital combined with 3.0 percent from a year earlier contributes to the Excellent asset quality (7.9). Excellent current capitalization (7.8 on a scale of 0 to 10) and a capital leverage ratio of 9.6.
Asset Mix:
Home mtgs (37%), comm re (17%), securities (11%), comm loans (4%), cash (1%), consumer loans (1%), 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
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
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