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 1.5%, coupled with a return on assets of 1.2 has resulted in Good (5.3) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 25.8. A current level of 4.6 percent of nonperforming loans to core capital combined with 5.5 percent from a year earlier contributes to the Good asset quality (6.8).
Asset Mix:
Home mtgs (56%), cash (15%), securities (7%), comm loans (6%), comm re (5%), consumer loans (4%), other (7%)
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
Investment Rating
--
Address
130 North Marshall Street
Henderson, TX 75652
Henderson, TX 75652
Phone Number
(903) 657-2577
Year Founded
1929
FDIC Number
Website
Largest Affiliates
No affiliate information available.