Texas Heritage National Bank
Major Rating Factors:
A current level of 9.7 percent of nonperforming loans to core capital combined with 0.7 percent from a year earlier contributes to the Fair asset quality (4.2). 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).
Other Rating Factors:
Excellent current capitalization (8.8 on a scale of 0 to 10) based on a risk-based capital ratio of 12.4 and a capital leverage ratio of 10.2. Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.4 has resulted in Good (5.7) profitability.
Asset Mix:
Comm re (27%), comm loans (17%), home mtgs (14%), cash (5%), consumer loans (1%), securities (0%), 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
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