The First National Bank of Eagle Lake
Major Rating Factors:
Excellent current capitalization (9.8 on a scale of 0 to 10) and a capital leverage ratio of 10.9. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.5 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.6 has resulted in Good (6.9) profitability. A current level of 14.6 percent of nonperforming loans to core capital combined with 0.2 percent from a year earlier contributes to the Good asset quality (5.5).
Asset Mix:
Cash (25%), comm re (16%), home mtgs (11%), securities (10%), comm loans (8%), consumer loans (0%), other (29%)
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
Eagle Lake Bancshares, Inc.
Investment Rating
--
Address
1217 East Main St
Eagle Lake, TX 77434
Eagle Lake, TX 77434
Phone Number
(979) 234-5591
Year Founded
1904
FDIC Number
Website
Largest Affiliates
No affiliate information available.