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 (8.5 on a scale of 0 to 10). Excellent current capitalization (8.3 on a scale of 0 to 10) based on a risk-based capital ratio of 12.9 and a capital leverage ratio of 9.9.
Other Rating Factors:
A current level of 7.0 percent of nonperforming loans to core capital combined with 5.6 percent from a year earlier contributes to the Good asset quality (5.6). 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:
Comm loans (22%), cash (21%), comm re (19%), home mtgs (12%), securities (4%), 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
3030 Matlock Road
Arlington, TX 76015
Arlington, TX 76015
Phone Number
(817) 541-1400
Year Founded
1959
FDIC Number
Website
Largest Affiliates
No affiliate information available.