Major Rating Factors:
A current level of 11.5 percent of nonperforming loans to core capital combined with 1.3 percent from a year earlier contributes to the Fair asset quality (4.6). Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.7 has resulted in Weak (2.4) profitability.
Other Rating Factors:
Excellent current capitalization (8.1 on a scale of 0 to 10) based on a risk-based capital ratio of 22.8 and a capital leverage ratio of 9.7. Fair liquidity 4.1, driven by a liquidity ratio of 28.0 percent and a “hot money” ratio of 18.9 percent.
Asset Mix:
Securities (44%), comm re (7%), comm loans (6%), consumer loans (3%), cash (2%), other (39%)
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
Rotan Bancshares, Inc.
Investment Rating
--
Address
118 North Garfield Avenue
Rotan, TX 79546
Rotan, TX 79546
Phone Number
(325) 735-2224
Year Founded
1907
FDIC Number
Website
Largest Affiliates
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