Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Very Weak overall stability index (0.3 on a scale of 0 to 10).
Other Rating Factors:
Fair liquidity 3.8, driven by a liquidity ratio of 16.4 percent and a “hot money” ratio of 37.4 percent. A current level of 0.4 percent of nonperforming loans to core capital combined with -0.5 percent from a year earlier contributes to the Excellent asset quality (9.6).
Asset Mix:
Securities (54%), home mtgs (13%), cash (11%), comm re (9%), comm loans (2%), consumer loans (2%), other (10%)
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
Industry Bancshares, Inc.
Investment Rating
--
Address
100 East Main Street
Bellville, TX 77418
Bellville, TX 77418
Phone Number
(979) 865-3181
Year Founded
1890
FDIC Number
Website
Largest Affiliates
Buffalo, TX
-
Bank
Shiner, TX
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Bank
Industry, TX
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Bank
Fayetteville, TX
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Bank
Brenham, TX
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Bank