Major Rating Factors:
A current level of 0.2 percent of nonperforming loans to core capital combined with 2.0 percent from a year earlier contributes to the Excellent asset quality (8.9). Excellent current capitalization (8.6 on a scale of 0 to 10) based on a risk-based capital ratio of 20.6 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 a Fair overall stability index (4.2 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.8 has resulted in Fair (3.5) profitability.
Asset Mix:
Securities (43%), home mtgs (14%), comm re (9%), comm loans (6%), cash (3%), consumer loans (3%), other (22%)
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
Jacksboro National Bancshares, Inc.
Investment Rating
--
Address
910 North Main Street
Jacksboro, TX 76458
Jacksboro, TX 76458
Phone Number
(940) 567-5551
Year Founded
1905
FDIC Number
Website
Largest Affiliates
No affiliate information available.