Major Rating Factors:
Very Weak current capitalization (1.0 on a scale of 0 to 10) based on a risk-based capital ratio of 21.4 and a capital leverage ratio of 7.9. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.9 on a scale of 0 to 10).
Other Rating Factors:
Fair liquidity 3.2, driven by a liquidity ratio of 61.8 percent and a “hot money” ratio of 17.9 percent. Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.4 has resulted in Good (5.4) profitability.
Asset Mix:
Securities (35%), cash (26%), consumer loans (8%), comm loans (7%), comm re (6%), home mtgs (5%), other (14%)
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
Metroplex North Bancshares, Inc.
Investment Rating
--
Address
301 North US Highway 69
Celeste, TX 75423
Celeste, TX 75423
Phone Number
(903) 568-4211
Year Founded
1900
FDIC Number
Website
Largest Affiliates
No affiliate information available.