Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 12.0. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.5 on a scale of 0 to 10).
Other Rating Factors:
Good liquidity 6.1, driven by a liquidity ratio of 78.1 percent and a “hot money” ratio of 10.4 percent. Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.9 has resulted in Fair (3.2) profitability.
Asset Mix:
Securities (73%), cash (5%), comm re (2%), consumer loans (2%), comm loans (2%), other (16%)
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
CNB National Financial Corporation
Investment Rating
--
Address
209 East Brown Street
San Saba, TX 76877
San Saba, TX 76877
Phone Number
(325) 372-5721
Year Founded
1883
FDIC Number
Website
Largest Affiliates
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