Major Rating Factors:
A current level of 16.5 percent of nonperforming loans to core capital combined with 15.9 percent from a year earlier contributes to the Weak asset quality (2.8). Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.3 has resulted in Weak (2.7) profitability.
Other Rating Factors:
Excellent current capitalization (7.5 on a scale of 0 to 10) and a capital leverage ratio of 9.4. Fair liquidity 4.4, driven by a liquidity ratio of 50.8 percent and a “hot money” ratio of 15.2 percent.
Asset Mix:
Securities (28%), cash (20%), comm loans (18%), comm re (12%), home mtgs (3%), consumer loans (1%), other (17%)
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
ISB Holdings, Inc.
Investment Rating
--
Address
301 South Main Street
Perryton, TX 79070
Perryton, TX 79070
Phone Number
(806) 435-4071
Year Founded
1958
FDIC Number
Website
Largest Affiliates
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