Major Rating Factors:
Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.6 has resulted in Fair (3.0) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.4 on a scale of 0 to 10).
Other Rating Factors:
A current level of 1.0 percent of nonperforming loans to core capital combined with 2.1 percent from a year earlier contributes to the Excellent asset quality (9.2). Excellent current capitalization (7.2 on a scale of 0 to 10) and a capital leverage ratio of 9.2.
Asset Mix:
Securities (51%), home mtgs (12%), cash (12%), comm re (6%), comm loans (2%), consumer loans (2%), other (15%)
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
Aspermont Bankshares, Inc.
Investment Rating
--
Address
136 West Seventh Street
Aspermont, TX 79502
Aspermont, TX 79502
Phone Number
(940) 989-3505
Year Founded
1901
FDIC Number
Website
Largest Affiliates
No affiliate information available.