Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 11.8. A current level of 4.6 percent of nonperforming loans to core capital combined with 8.8 percent from a year earlier contributes to the Excellent asset quality (7.1).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.1 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.3 has resulted in Good (6.1) profitability.
Asset Mix:
Securities (33%), home mtgs (21%), comm re (11%), cash (6%), comm loans (4%), consumer loans (2%), other (23%)
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 Granbury Bancorporation
Investment Rating
--
Address
101 East Bridge Street
Granbury, TX 76048
Granbury, TX 76048
Phone Number
(817) 573-2655
Year Founded
1887
FDIC Number
Website
Largest Affiliates
No affiliate information available.