The City National Bank of Sulphur Springs
Major Rating Factors:
Operating profits as a percentage of assets at 2.3%, coupled with a return on assets of 2.3 has resulted in Excellent (8.8) profitability. Excellent current capitalization (8.2 on a scale of 0 to 10) based on a risk-based capital ratio of 15.0 and a capital leverage ratio of 9.8.
Other Rating Factors:
A current level of 1.2 percent of nonperforming loans to core capital combined with 5.8 percent from a year earlier contributes to the Excellent asset quality (7.6). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (7.0 on a scale of 0 to 10).
Asset Mix:
Home mtgs (24%), securities (20%), comm re (16%), cash (6%), comm loans (5%), consumer loans (3%), other (26%)
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
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