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 (4.4 on a scale of 0 to 10).
Other Rating Factors:
A current level of 2.8 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.7). Good current capitalization (6.7 on a scale of 0 to 10) based on a risk-based capital ratio of 25.6 and a capital leverage ratio of 10.5.
Asset Mix:
Home mtgs (51%), securities (18%), cash (15%), comm re (4%), comm loans (1%), consumer loans (1%), other (10%)
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
Dalhart Federal Mutual Holding Company
Investment Rating
--
Address
502 Denrock Avenue
Dalhart, TX 79022
Dalhart, TX 79022
Phone Number
(806) 249-8561
Year Founded
1934
FDIC Number
Website
Largest Affiliates
No affiliate information available.