Major Rating Factors:
Operating profits as a percentage of assets at 0.0%, coupled with a return on assets of 0.0 has resulted in Weak (1.3) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.8 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 11.7. A current level of 3.5 percent of nonperforming loans to core capital combined with 6.9 percent from a year earlier contributes to the Excellent asset quality (7.1).
Asset Mix:
Comm re (27%), home mtgs (24%), comm loans (16%), cash (11%), securities (3%), consumer loans (0%), other (18%)
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
Cendera Bancorp, Inc.
Investment Rating
--
Address
615 East Bells Boulevard
Bells, TX 75414
Bells, TX 75414
Phone Number
(903) 965-7755
Year Founded
1904
FDIC Number
Website
Largest Affiliates
No affiliate information available.