Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.7 on a scale of 0 to 10). A current level of 7.9 percent of nonperforming loans to core capital combined with 1.1 percent from a year earlier contributes to the Good asset quality (5.9).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 18.7 and a capital leverage ratio of 12.1. Operating profits as a percentage of assets at 2.0%, coupled with a return on assets of 1.6 has resulted in Excellent (7.4) profitability.
Asset Mix:
Home mtgs (32%), cash (12%), comm loans (12%), consumer loans (9%), comm re (4%), securities (3%), other (27%)
States with Branches:
AR, 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
Tom Bean Bank Holding Company
Investment Rating
--
Address
109 South Britton
Tom Bean, TX 75489
Tom Bean, TX 75489
Phone Number
(903) 546-6275
Year Founded
1906
FDIC Number
Website
Largest Affiliates
No affiliate information available.