Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (5.0 on a scale of 0 to 10). A current level of 0.1 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.3).
Other Rating Factors:
Operating profits as a percentage of assets at 3.5%, coupled with a return on assets of 3.5 has resulted in Excellent (10.0) profitability. Excellent current capitalization (8.8 on a scale of 0 to 10) based on a risk-based capital ratio of 14.0 and a capital leverage ratio of 10.2.
Asset Mix:
Comm loans (24%), comm re (18%), home mtgs (18%), securities (11%), cash (2%), consumer loans (2%), other (25%)
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
Commercial National Corporation
Investment Rating
--
Address
105 East Second Street
Brady, TX 76825
Brady, TX 76825
Phone Number
(325) 597-2961
Year Founded
1894
FDIC Number
Website
Largest Affiliates
No affiliate information available.