Major Rating Factors:
Excellent current capitalization (8.9 on a scale of 0 to 10) based on a risk-based capital ratio of 18.4 and a capital leverage ratio of 11.5. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.1 on a scale of 0 to 10).
Other Rating Factors:
A current level of 7.7 percent of nonperforming loans to core capital combined with 1.0 percent from a year earlier contributes to the Good asset quality (5.7). Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 1.1 has resulted in Fair (4.7) profitability.
Asset Mix:
Securities (38%), comm re (20%), home mtgs (11%), cash (4%), comm loans (2%), consumer loans (1%), 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
Brenham Bancshares, Inc.
Investment Rating
--
Address
2211 South Day Street
Brenham, TX 77833
Brenham, TX 77833
Phone Number
(979) 836-4571
Year Founded
1933
FDIC Number
Website
Largest Affiliates
No affiliate information available.