Major Rating Factors:
Excellent current capitalization (8.8 on a scale of 0 to 10) and a capital leverage ratio of 10.2. Operating profits as a percentage of assets at 1.9%, coupled with a return on assets of 1.9 has resulted in Excellent (7.4) profitability.
Other Rating Factors:
Fair liquidity 3.9, driven by a liquidity ratio of 42.8 percent and a “hot money” ratio of 14.8 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.2 on a scale of 0 to 10).
Asset Mix:
Securities (27%), comm loans (21%), comm re (15%), cash (14%), home mtgs (4%), consumer loans (1%), 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
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
No affiliate information available.