Major Rating Factors:
A current level of 9.9 percent of nonperforming loans to core capital combined with 1.5 percent from a year earlier contributes to the Fair asset quality (3.8). Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.5 has resulted in Fair (3.2) profitability.
Other Rating Factors:
Excellent current capitalization (7.2 on a scale of 0 to 10) based on a risk-based capital ratio of 20.6 and a capital leverage ratio of 11.3. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.6 on a scale of 0 to 10).
Asset Mix:
Home mtgs (33%), securities (22%), cash (10%), comm re (7%), consumer loans (5%), comm loans (4%), home eq lns (1%), other (17%)
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
Cypress Bancshares, Inc.
Investment Rating
--
Address
120 South Greer Boulevard
Pittsburg, TX 75686
Pittsburg, TX 75686
Phone Number
(903) 856-6653
Year Founded
1977
FDIC Number
Website
Largest Affiliates
No affiliate information available.