Major 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 (5.0 on a scale of 0 to 10). Excellent current capitalization (8.6 on a scale of 0 to 10) based on a risk-based capital ratio of 23.6 and a capital leverage ratio of 10.1.
Other Rating Factors:
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 (9.2). Operating profits as a percentage of assets at 2.2%, coupled with a return on assets of 1.7 has resulted in Excellent (8.9) profitability.
Asset Mix:
Securities (50%), home mtgs (13%), comm re (13%), cash (10%), comm loans (2%), consumer loans (1%), other (11%)
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
First Texas Bancorp, Inc.
Investment Rating
--
Address
501 East Third Street
Lampasas, TX 76550
Lampasas, TX 76550
Phone Number
(512) 556-3691
Year Founded
1884
FDIC Number
Website
Largest Affiliates
Georgetown, TX
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Bank