Major Rating Factors:
A current level of 0.2 percent of nonperforming loans to core capital combined with 0.6 percent from a year earlier contributes to the Excellent asset quality (8.5). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.1 on a scale of 0 to 10).
Other Rating Factors:
Good current capitalization (6.7 on a scale of 0 to 10) based on a risk-based capital ratio of 17.1 and a capital leverage ratio of 8.7. Fair liquidity 4.1, driven by a liquidity ratio of 34.1 percent and a “hot money” ratio of 10.3 percent.
Asset Mix:
Securities (28%), home mtgs (23%), cash (17%), comm re (14%), consumer loans (8%), comm loans (1%), 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
Extraco Corporation
Investment Rating
--
Address
3615 South 31st Street
Temple, TX 76502
Temple, TX 76502
Phone Number
(254) 774-5500
Year Founded
1933
FDIC Number
Website
Largest Affiliates
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