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). A current level of 5.2 percent of nonperforming loans to core capital contributes to the Good asset quality (5.1).
Other Rating Factors:
Excellent current capitalization (9.1 on a scale of 0 to 10) and a capital leverage ratio of 10.4. Operating profits as a percentage of assets at 1.9%, coupled with a return on assets of 1.9 has resulted in Good (6.9) profitability.
Asset Mix:
Comm re (14%), securities (9%), comm loans (7%), cash (5%), consumer loans (1%), home mtgs (0%), other (64%)
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
Floyd County Bancshares, Inc.
Investment Rating
--
Address
124 South Main Street
Floydada, TX 79235
Floydada, TX 79235
Phone Number
(806) 983-3717
Year Founded
1890
FDIC Number
Website
Largest Affiliates
No affiliate information available.