Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 33.7 and a capital leverage ratio of 12.5. A current level of 0.6 percent of nonperforming loans to core capital combined with 0.0 percent from a year earlier contributes to the Excellent asset quality (9.5).
Other Rating Factors:
Good liquidity 5.2, driven by a liquidity ratio of 45.2 percent and a “hot money” ratio of 20.0 percent. Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.2 has resulted in Fair (4.4) profitability.
Asset Mix:
Securities (61%), comm re (9%), home mtgs (8%), cash (8%), comm loans (6%), 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
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