The First National Bank of Hughes Springs
Major Rating Factors:
Operating profits as a percentage of assets at 2.6%, coupled with a return on assets of 2.6 has resulted in Excellent (10.0) profitability. Excellent current capitalization (8.7 on a scale of 0 to 10) based on a risk-based capital ratio of 16.4 and a capital leverage ratio of 10.1.
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 (7.7 on a scale of 0 to 10). A current level of 9.8 percent of nonperforming loans to core capital combined with 13.7 percent from a year earlier contributes to the Fair asset quality (4.2).
Asset Mix:
Home mtgs (24%), cash (16%), comm re (12%), securities (9%), comm loans (9%), consumer loans (4%), other (26%)
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
Chalybeate Springs Corporation
Investment Rating
--
Address
505 East First Street
Hughes Springs, TX 75656
Hughes Springs, TX 75656
Phone Number
(903) 639-2521
Year Founded
1903
FDIC Number
Website
Largest Affiliates
No affiliate information available.