Austin Bank, Texas National Association
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 15.1. Operating profits as a percentage of assets at 2.7%, coupled with a return on assets of 2.1 has resulted in Excellent (10.0) profitability.
Other Rating Factors:
A current level of 2.8 percent of nonperforming loans to core capital combined with 2.4 percent from a year earlier contributes to the Excellent asset quality (7.7). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10).
Asset Mix:
Home mtgs (26%), comm re (23%), securities (14%), cash (8%), comm loans (6%), consumer loans (4%), home eq lns (2%), other (17%)
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
Austin BanCorp, Inc.
Investment Rating
--
Address
200 East Commerce Street
Jacksonville, TX 75766
Jacksonville, TX 75766
Phone Number
(903) 586-1526
Year Founded
1900
FDIC Number
Website
Largest Affiliates
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