Major Rating Factors:
Excellent current capitalization (7.7 on a scale of 0 to 10) and a capital leverage ratio of 9.4. Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 1.0 has resulted in Weak (2.8) profitability.
Other Rating Factors:
Fair liquidity 4.3, driven by a liquidity ratio of 48.1 percent and a “hot money” ratio of 14.9 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.7 on a scale of 0 to 10).
Asset Mix:
Securities (27%), cash (19%), comm loans (19%), comm re (13%), home mtgs (4%), 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
No affiliate information available.