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 3.5%, coupled with a return on assets of 3.5 has resulted in Excellent (10.0) profitability.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (9.7 on a scale of 0 to 10). A current level of 5.7 percent of nonperforming loans to core capital combined with 1.6 percent from a year earlier contributes to the Good asset quality (6.2).
Asset Mix:
Comm re (31%), cash (18%), comm loans (8%), securities (6%), home mtgs (5%), consumer loans (0%), other (32%)
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.