Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 29.3 and a capital leverage ratio of 15.1. A current level of 0.2 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.9).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.1 on a scale of 0 to 10). Good liquidity 7.0, driven by a liquidity ratio of 78.6 percent and a “hot money” ratio of 9.2 percent.
Asset Mix:
Securities (65%), cash (20%), comm re (5%), home mtgs (3%), consumer loans (3%), comm loans (1%), other (4%)
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
Big Bend Bancshares Corporation
Investment Rating
--
Address
301 South Highland Avenue
Marfa, TX 79843
Marfa, TX 79843
Phone Number
(432) 729-4344
Year Founded
1907
FDIC Number
Website
Largest Affiliates
No affiliate information available.