Major Rating Factors:
A current level of 11.4 percent of nonperforming loans to core capital combined with 9.7 percent from a year earlier contributes to the Fair asset quality (4.0). Operating profits as a percentage of assets at 1.8%, coupled with a return on assets of 1.4 has resulted in Excellent (7.6) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 12.7. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.3 on a scale of 0 to 10).
Asset Mix:
Comm re (38%), home mtgs (16%), cash (14%), comm loans (11%), consumer loans (0%), securities (0%), other (21%)
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
TXRB Holdings, Inc.
Investment Rating
--
Address
2595 Preston Road
Frisco, TX 75034
Frisco, TX 75034
Phone Number
(972) 334-0700
Year Founded
1891
FDIC Number
Website
Largest Affiliates
No affiliate information available.