The City National Bank of Sulphur Springs
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 (9.4 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 15.6 and a capital leverage ratio of 9.9.
Other Rating Factors:
Operating profits as a percentage of assets at 1.9%, coupled with a return on assets of 1.9 has resulted in Excellent (7.7) profitability. A current level of 5.0 percent of nonperforming loans to core capital combined with 7.0 percent from a year earlier contributes to the Good asset quality (6.2).
Asset Mix:
Home mtgs (25%), securities (21%), comm re (13%), cash (6%), comm loans (5%), consumer loans (3%), other (27%)
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
Sulphur Springs Bancshares, Inc.
Investment Rating
--
Address
201 Connally Street
Sulphur Springs, TX 75482
Sulphur Springs, TX 75482
Phone Number
(903) 885-7523
Year Founded
1889
FDIC Number
Website
Largest Affiliates
No affiliate information available.