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The First Bank of Celeste
CelesteTX
Rating Date
June 2025
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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 (4.8 on a scale of 0 to 10). Weak current capitalization (2.3 on a scale of 0 to 10) based on a risk-based capital ratio of 22.6 and a capital leverage ratio of 8.0.
Other Rating Factors: A current level of 0.0 percent of nonperforming loans to core capital combined with 0.0 percent from a year earlier contributes to the Excellent asset quality (7.6). Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.3 has resulted in Good (5.3) profitability.
Asset Mix: Securities (35%), cash (27%), consumer loans (8%), comm loans (7%), comm re (6%), home mtgs (5%), other (13%)
States with Branches: TX
Asset Quality
Non-Performing Loans to Capital
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Hot Money
Corporate Info
Group Affiliation
Metroplex North Bancshares, Inc.
Investment Rating
--
Address
301 North US Highway 69
Celeste, TX 75423
Phone Number
(903) 568-4211
Year Founded
1900
FDIC Number
Largest Affiliates
No affiliate information available.