Major Rating Factors:
Excellent current capitalization (9.2 on a scale of 0 to 10) and a capital leverage ratio of 10.5. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.9 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.1 has resulted in Fair (4.9) profitability. A current level of 13.4 percent of nonperforming loans to core capital combined with 5.5 percent from a year earlier contributes to the Fair asset quality (4.4).
Asset Mix:
Home mtgs (23%), securities (22%), comm re (13%), comm loans (6%), cash (3%), consumer loans (2%), other (32%)
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
Giddings Bancshares, Inc.
Investment Rating
--
Address
108 East Austin Street
Giddings, TX 78942
Giddings, TX 78942
Phone Number
(979) 542-1200
Year Founded
1890
FDIC Number
Website
Largest Affiliates
No affiliate information available.