Major Rating Factors:
Excellent current capitalization (9.5 on a scale of 0 to 10) based on a risk-based capital ratio of 40.3 and a capital leverage ratio of 10.6. 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 (8.7).
Other Rating Factors:
Good liquidity 5.4, driven by a liquidity ratio of 76.3 percent and a “hot money” ratio of 3.5 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.5 on a scale of 0 to 10).
Asset Mix:
Cash (51%), securities (13%), consumer loans (9%), home mtgs (8%), comm loans (5%), comm re (1%), other (13%)
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
Investment Rating
--
Address
101 East Lipan Road
Lipan, TX 76462
Lipan, TX 76462
Phone Number
(254) 646-2244
Year Founded
1907
FDIC Number
Largest Affiliates
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