Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 15.6 and a capital leverage ratio of 11.1. Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.5 has resulted in Good (6.6) profitability.
Other Rating Factors:
A current level of 6.2 percent of nonperforming loans to core capital combined with 3.0 percent from a year earlier contributes to the Good asset quality (6.0). 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:
Cash (18%), comm loans (13%), home mtgs (11%), comm re (8%), securities (8%), consumer loans (4%), other (37%)
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
Shelby Bancshares, Inc.
Investment Rating
--
Address
111 Selma Street
Center, TX 75935
Center, TX 75935
Phone Number
(936) 598-5688
Year Founded
1982
FDIC Number
Website
Largest Affiliates
There are no affiliate to display.