Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.9 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 16.9 and a capital leverage ratio of 14.3. A current level of 2.0 percent of nonperforming loans to core capital combined with 3.2 percent from a year earlier contributes to the Excellent asset quality (8.1).
Asset Mix:
Comm re (22%), cash (15%), securities (8%), comm loans (7%), home mtgs (6%), consumer loans (2%), other (40%)
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
Groom Bancshares, Inc.
Investment Rating
--
Address
99 Broadway Avenue
Groom, TX 79039
Groom, TX 79039
Phone Number
(806) 248-7531
Year Founded
1904
FDIC Number
Website
Largest Affiliates
No affiliate information available.