Major Rating Factors:
A current level of 0.9 percent of nonperforming loans to core capital combined with 0.2 percent from a year earlier contributes to the Excellent asset quality (8.5). Excellent current capitalization (8.2 on a scale of 0 to 10) and a capital leverage ratio of 9.8.
Other Rating Factors:
Operating profits as a percentage of assets at 1.9%, coupled with a return on assets of 1.9 has resulted in Excellent (7.7) profitability. 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:
Home mtgs (35%), securities (21%), cash (11%), consumer loans (8%), comm loans (7%), comm re (5%), other (14%)
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
Investment Rating
--
Address
115 South Memory Lane
Evant, TX 76525
Evant, TX 76525
Phone Number
(254) 471-5531
Year Founded
1912
FDIC Number
Website
Largest Affiliates
No affiliate information available.