Lone Star Capital Bank, National Association
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 (4.6 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.3%, coupled with a return on assets of 0.3 has resulted in Weak (1.7) profitability.
Other Rating Factors:
Excellent current capitalization (8.7 on a scale of 0 to 10) based on a risk-based capital ratio of 16.1 and a capital leverage ratio of 10.1. A current level of 3.8 percent of nonperforming loans to core capital contributes to the Good asset quality (6.9).
Asset Mix:
Securities (29%), comm re (22%), home mtgs (14%), cash (7%), comm loans (6%), consumer loans (0%), other (22%)
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
Investment Rating
--
Address
150 N Loop 1604 East
San Antonio, TX 78232
San Antonio, TX 78232
Phone Number
(210) 496-6116
Year Founded
1999
FDIC Number
Website
Largest Affiliates
No affiliate information available.