First National Bank of Bosque County
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 20.1 and a capital leverage ratio of 12.8. Operating profits as a percentage of assets at 2.1%, coupled with a return on assets of 2.1 has resulted in Excellent (9.0) profitability.
Other Rating Factors:
A current level of 4.0 percent of nonperforming loans to core capital combined with 5.9 percent from a year earlier contributes to the Good asset quality (6.9). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10).
Asset Mix:
Home mtgs (33%), comm loans (15%), securities (12%), cash (10%), comm re (6%), consumer loans (4%), other (20%)
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
Valley Mills Financial Corporation
Investment Rating
--
Address
418 Avenue C
Valley Mills, TX 76689
Valley Mills, TX 76689
Phone Number
(254) 932-5345
Year Founded
1896
FDIC Number
Website
Largest Affiliates
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