Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 12.1. Operating profits as a percentage of assets at 3.0%, coupled with a return on assets of 3.0 has resulted in Excellent (9.5) profitability.
Other Rating Factors:
A current level of 2.0 percent of nonperforming loans to core capital combined with 0.8 percent from a year earlier contributes to the Excellent asset quality (7.3). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10).
Asset Mix:
Comm re (34%), cash (15%), comm loans (9%), securities (6%), home mtgs (5%), consumer loans (0%), other (30%)
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
NewFirst Financial Group, Inc.
Investment Rating
--
Address
202 East Jackson Street
El Campo, TX 77437
El Campo, TX 77437
Phone Number
(979) 543-3349
Year Founded
1902
FDIC Number
Website
Largest Affiliates
No affiliate information available.