Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.4 on a scale of 0 to 10). Excellent current capitalization (7.6 on a scale of 0 to 10) based on a risk-based capital ratio of 12.9 and a capital leverage ratio of 9.4.
Other Rating Factors:
A current level of 6.6 percent of nonperforming loans to core capital combined with 5.9 percent from a year earlier contributes to the Good asset quality (5.7). Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.0 has resulted in Fair (4.7) profitability.
Asset Mix:
Cash (23%), comm re (20%), comm loans (20%), home mtgs (12%), securities (3%), home eq lns (1%), consumer loans (0%), other (20%)
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
SBH Manager, LLC
Investment Rating
--
Address
4020 Maple Avenue
Dallas, TX 75219
Dallas, TX 75219
Phone Number
(214) 346-4190
Year Founded
1959
FDIC Number
Website
Largest Affiliates
No affiliate information available.