Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 12.7. 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 (10.0).
Other Rating Factors:
Operating profits as a percentage of assets at 2.2%, coupled with a return on assets of 2.2 has resulted in Excellent (8.9) profitability. Good liquidity 6.2, driven by a liquidity ratio of 68.3 percent and a “hot money” ratio of 19.5 percent.
Asset Mix:
Securities (70%), cash (11%), home mtgs (5%), comm re (3%), consumer loans (1%), comm loans (1%), other (9%)
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
Menard Bancshares, Inc.
Investment Rating
--
Address
201 Ellis Street
Menard, TX 76859
Menard, TX 76859
Phone Number
(325) 396-4524
Year Founded
1919
FDIC Number
Website
Largest Affiliates
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