Major Rating Factors:
A current level of 1.1 percent of nonperforming loans to core capital combined with 3.8 percent from a year earlier contributes to the Excellent asset quality (9.1). Excellent current capitalization (7.1 on a scale of 0 to 10) and a capital leverage ratio of 9.1.
Other Rating Factors:
Fair liquidity 4.5, driven by a liquidity ratio of 37.0 percent and a “hot money” ratio of 24.3 percent. Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 1.1 has resulted in Fair (4.0) profitability.
Asset Mix:
Securities (46%), cash (13%), home mtgs (13%), comm re (6%), comm loans (4%), consumer loans (2%), other (16%)
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
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