Texas Heritage National Bank
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 (3.7 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.6 has resulted in Good (5.4) profitability.
Other Rating Factors:
A current level of 0.1 percent of nonperforming loans to core capital combined with 0.1 percent from a year earlier contributes to the Excellent asset quality (8.2). Excellent current capitalization (7.6 on a scale of 0 to 10) based on a risk-based capital ratio of 11.3 and a capital leverage ratio of 9.4.
Asset Mix:
Comm re (27%), comm loans (19%), home mtgs (12%), cash (4%), consumer loans (2%), securities (1%), other (36%)
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
Daingerfield Holding Company
Investment Rating
--
Address
107 Webb Street
Daingerfield, TX 75638
Daingerfield, TX 75638
Phone Number
(903) 645-2251
Year Founded
1889
FDIC Number
Website
Largest Affiliates
No affiliate information available.