Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.7 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.6 has resulted in Good (5.8) profitability.
Other Rating Factors:
Excellent current capitalization (9.9 on a scale of 0 to 10) based on a risk-based capital ratio of 17.8 and a capital leverage ratio of 10.9. A current level of 1.1 percent of nonperforming loans to core capital combined with 5.2 percent from a year earlier contributes to the Excellent asset quality (9.0).
Asset Mix:
Home mtgs (46%), comm re (13%), cash (11%), securities (7%), consumer loans (1%), comm loans (1%), other (21%)
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
Fayette Bancshares, Inc.
Investment Rating
--
Address
111 East Travis Street
La Grange, TX 78945
La Grange, TX 78945
Phone Number
(979) 968-9511
Year Founded
1978
FDIC Number
Website
Largest Affiliates
No affiliate information available.