Major Rating Factors:
Excellent current capitalization (9.3 on a scale of 0 to 10) based on a risk-based capital ratio of 18.6 and a capital leverage ratio of 10.6. A current level of 0.7 percent of nonperforming loans to core capital combined with 2.6 percent from a year earlier contributes to the Excellent asset quality (7.8).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.8 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.2 has resulted in Fair (4.8) profitability.
Asset Mix:
Securities (30%), cash (20%), home mtgs (16%), comm re (14%), comm loans (5%), consumer loans (1%), other (15%)
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 Liberty National Bancshares, Inc.
Investment Rating
--
Address
1900 Sam Houston Street
Liberty, TX 77575
Liberty, TX 77575
Phone Number
(936) 336-6471
Year Founded
1913
FDIC Number
Website
Largest Affiliates
No affiliate information available.