Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 34.1 and a capital leverage ratio of 14.6. Operating profits as a percentage of assets at 3.2%, coupled with a return on assets of 2.6 has resulted in Excellent (9.8) profitability.
Other Rating Factors:
A current level of 0.0 percent of nonperforming loans to core capital combined with 0.1 percent from a year earlier contributes to the Excellent asset quality (9.7). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.7 on a scale of 0 to 10).
Asset Mix:
Securities (66%), comm re (9%), cash (5%), comm loans (5%), home mtgs (2%), consumer loans (1%), other (13%)
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
119 North Saint Peter
Stanton, TX 79782
Stanton, TX 79782
Phone Number
(432) 756-3361
Year Founded
1906
FDIC Number
Website
Largest Affiliates
No affiliate information available.