Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.2 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 14.9 and a capital leverage ratio of 11.7. A current level of 2.1 percent of nonperforming loans to core capital combined with 2.1 percent from a year earlier contributes to the Excellent asset quality (8.0).
Asset Mix:
Comm re (25%), securities (10%), comm loans (8%), cash (6%), home mtgs (5%), consumer loans (2%), home eq lns (1%), other (44%)
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.