Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 20.3 and a capital leverage ratio of 12.4. Operating profits as a percentage of assets at 3.1%, coupled with a return on assets of 2.4 has resulted in Excellent (10.0) profitability.
Other Rating Factors:
A current level of 0.7 percent of nonperforming loans to core capital combined with 0.3 percent from a year earlier contributes to the Excellent asset quality (8.2). 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:
Comm loans (24%), comm re (21%), cash (14%), home mtgs (12%), securities (8%), consumer loans (2%), other (20%)
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
D2 Alliances, LLC
Investment Rating
--
Address
105 East Criner Street
Grandview, TX 76050
Grandview, TX 76050
Phone Number
(817) 866-3316
Year Founded
1890
FDIC Number
Website
Largest Affiliates
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