Major Rating Factors:
Excellent current capitalization (8.2 on a scale of 0 to 10) based on a risk-based capital ratio of 17.1 and a capital leverage ratio of 9.8. A current level of 1.5 percent of nonperforming loans to core capital combined with 2.4 percent from a year earlier contributes to the Excellent asset quality (7.4).
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 (6.8 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.3 has resulted in Good (5.7) profitability.
Asset Mix:
Securities (30%), comm re (19%), home mtgs (17%), cash (10%), comm loans (4%), consumer loans (1%), other (18%)
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.