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 14.4. Operating profits as a percentage of assets at 2.3%, coupled with a return on assets of 1.8 has resulted in Excellent (9.6) profitability.
Other Rating Factors:
A current level of 2.7 percent of nonperforming loans to core capital combined with 2.3 percent from a year earlier contributes to the Excellent asset quality (7.9). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10).
Asset Mix:
Home mtgs (27%), comm re (25%), securities (10%), cash (9%), comm loans (7%), 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
No affiliate information available.