Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (1.1 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.2%, coupled with a return on assets of 0.2 has resulted in Very Weak (0.6) profitability.
Other Rating Factors:
A current level of 4.1 percent of nonperforming loans to core capital combined with -64.7 percent from a year earlier contributes to the Excellent asset quality (7.3). Good current capitalization (6.0 on a scale of 0 to 10) based on a risk-based capital ratio of 18.5 and a capital leverage ratio of 8.0.
Asset Mix:
Home mtgs (39%), securities (22%), cash (20%), comm re (6%), comm loans (2%), consumer loans (0%), other (12%)
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
TrustTexas Mutual Holding Company
Investment Rating
--
Address
121 East Courthouse Street
Cuero, TX 77954
Cuero, TX 77954
Phone Number
(361) 275-2345
Year Founded
1921
FDIC Number
Website
Largest Affiliates
There are no affiliate to display.