Major Rating Factors:
Fair current capitalization (4.4 on a scale of 0 to 10) based on a risk-based capital ratio of 14.1 and a capital leverage ratio of 9.3. Operating profits as a percentage of assets at 2.1%, coupled with a return on assets of 1.7 has resulted in Excellent (7.7) profitability.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.4 on a scale of 0 to 10). A current level of 0.0 percent of nonperforming loans to core capital combined with 0.0 percent from a year earlier contributes to the Excellent asset quality (7.7).
Asset Mix:
Comm re (31%), securities (22%), comm loans (11%), home mtgs (8%), cash (7%), 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
Frontier Bancshares, Inc.
Investment Rating
--
Address
600 West 5th Street
Austin, TX 78701
Austin, TX 78701
Phone Number
(512) 637-5730
Year Founded
1905
FDIC Number
Website
Largest Affiliates
No affiliate information available.