Major Rating Factors:
Excellent current capitalization (8.8 on a scale of 0 to 10) based on a risk-based capital ratio of 16.2 and a capital leverage ratio of 10.2. A current level of 2.6 percent of nonperforming loans to core capital combined with 6.0 percent from a year earlier contributes to the Excellent asset quality (7.5).
Other Rating Factors:
Operating profits as a percentage of assets at 2.0%, coupled with a return on assets of 1.6 has resulted in Excellent (7.5) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10).
Asset Mix:
Comm re (21%), home mtgs (20%), securities (15%), cash (10%), comm loans (6%), consumer loans (4%), other (23%)
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
Bi-Stone Bancshares, Inc.
Investment Rating
--
Address
301 East Commerce Street
Mexia, TX 76667
Mexia, TX 76667
Phone Number
(254) 562-3821
Year Founded
1882
FDIC Number
Website
Largest Affiliates
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