The First National Bank of Sterling City
Major 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 (9.8). Excellent current capitalization (9.4 on a scale of 0 to 10) based on a risk-based capital ratio of 36.0 and a capital leverage ratio of 10.6.
Other Rating Factors:
Good liquidity 5.9, driven by a liquidity ratio of 42.6 percent and a “hot money” ratio of 5.3 percent. Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.3 has resulted in Fair (4.7) profitability.
Asset Mix:
Securities (76%), home mtgs (5%), comm loans (3%), cash (3%), consumer loans (2%), comm re (2%), other (9%)
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
Sterling City Bancshares, Inc.
Investment Rating
--
Address
602 Fourth Street
Sterling City, TX 76951
Sterling City, TX 76951
Phone Number
(325) 378-2191
Year Founded
1910
FDIC Number
Website
Largest Affiliates
No affiliate information available.