Major Rating Factors:
A current level of 12.3 percent of nonperforming loans to core capital combined with 1.1 percent from a year earlier contributes to the Fair asset quality (4.2). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.7 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 1.8%, coupled with a return on assets of 1.4 has resulted in Excellent (7.3) profitability. Excellent current capitalization (7.1 on a scale of 0 to 10) and a capital leverage ratio of 9.1.
Asset Mix:
Home mtgs (40%), comm re (23%), comm loans (14%), cash (2%), securities (2%), consumer loans (1%), other (19%)
States with Branches:
AR, 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
Linden Bancshares, Inc.
Investment Rating
--
Address
124 East Rush Street
Linden, TX 75563
Linden, TX 75563
Phone Number
(903) 756-5573
Year Founded
1914
FDIC Number
Website
Largest Affiliates
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