Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 31.0 and a capital leverage ratio of 12.5. A current level of 0.1 percent of nonperforming loans to core capital combined with 0.2 percent from a year earlier contributes to the Excellent asset quality (9.5).
Other Rating Factors:
Good liquidity 5.3, driven by a liquidity ratio of 45.2 percent and a “hot money” ratio of 19.1 percent. Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 1.0 has resulted in Fair (4.0) profitability.
Asset Mix:
Securities (57%), cash (13%), comm re (8%), home mtgs (7%), comm loans (7%), consumer loans (2%), other (6%)
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
Hillsboro Bancshares, Inc.
Investment Rating
--
Address
200 East Elm Street
Hillsboro, TX 76645
Hillsboro, TX 76645
Phone Number
(254) 582-2531
Year Founded
1893
FDIC Number
Website
Largest Affiliates
No affiliate information available.