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). A current level of 1.9 percent of nonperforming loans to core capital combined with 5.7 percent from a year earlier contributes to the Excellent asset quality (7.1).
Other Rating Factors:
Excellent current capitalization (9.4 on a scale of 0 to 10) and a capital leverage ratio of 10.6. Operating profits as a percentage of assets at 2.4%, coupled with a return on assets of 2.4 has resulted in Excellent (9.1) profitability.
Asset Mix:
Comm re (26%), home mtgs (17%), comm loans (16%), cash (9%), securities (8%), consumer loans (2%), home eq lns (1%), other (21%)
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
Albany Bancshares, Inc.
Investment Rating
--
Address
100 South Main Street
Albany, TX 76430
Albany, TX 76430
Phone Number
(325) 762-2222
Year Founded
1883
FDIC Number
Website
Largest Affiliates
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