Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.1 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.5 has resulted in Fair (3.5) profitability.
Other Rating Factors:
Good current capitalization (6.8 on a scale of 0 to 10) based on a risk-based capital ratio of 12.5 and a capital leverage ratio of 8.8. Weak liquidity 1.7, driven by a liquidity ratio of 25.9 percent and a “hot money” ratio of 28.5 percent.
Asset Mix:
Home mtgs (21%), comm loans (9%), consumer loans (5%), securities (5%), cash (5%), comm re (5%), other (50%)
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
Quanah Financial Corporation
Investment Rating
--
Address
120 West Third Street
Quanah, TX 79252
Quanah, TX 79252
Phone Number
(940) 663-5311
Year Founded
1907
FDIC Number
Website
Largest Affiliates
No affiliate information available.