Major Rating Factors:
A current level of 0.4 percent of nonperforming loans to core capital combined with 3.9 percent from a year earlier contributes to the Excellent asset quality (8.0). Excellent current capitalization (7.7 on a scale of 0 to 10) and a capital leverage ratio of 9.5.
Other Rating Factors:
Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 1.0 has resulted in Fair (4.4) profitability. Fair liquidity 4.0, driven by a liquidity ratio of 34.2 percent and a “hot money” ratio of 19.0 percent.
Asset Mix:
Securities (38%), home mtgs (13%), comm re (12%), consumer loans (9%), cash (7%), home eq lns (3%), comm loans (2%), other (16%)
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
Investment Rating
--
Address
105 South Robb Street
Trinity, TX 75862
Trinity, TX 75862
Phone Number
(936) 594-2564
Year Founded
1911
FDIC Number
Website
Largest Affiliates
No affiliate information available.