Major Rating Factors:
A current level of 8.7 percent of nonperforming loans to core capital combined with 0.6 percent from a year earlier contributes to the Fair asset quality (3.3). Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 1.7 has resulted in Excellent (7.4) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 14.9 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 an Excellent overall stability index (9.2 on a scale of 0 to 10).
Asset Mix:
Comm re (35%), cash (16%), home mtgs (9%), comm loans (8%), securities (6%), home eq lns (1%), consumer loans (0%), other (24%)
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
First Graham Bancorp, Inc.
Investment Rating
--
Address
623 Elm Street
Graham, TX 76450
Graham, TX 76450
Phone Number
(940) 549-2040
Year Founded
1890
FDIC Number
Website
Largest Affiliates
No affiliate information available.