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 5.6 percent of nonperforming loans to core capital combined with 1.8 percent from a year earlier contributes to the Good asset quality (6.6).
Other Rating Factors:
Excellent current capitalization (8.8 on a scale of 0 to 10) and a capital leverage ratio of 10.2. Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 1.7 has resulted in Excellent (7.5) profitability.
Asset Mix:
Comm re (25%), comm loans (18%), home mtgs (15%), securities (11%), cash (6%), consumer loans (2%), other (23%)
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
No affiliate information available.