Major 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 (4.0) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (3.0 on a scale of 0 to 10).
Other Rating Factors:
A current level of 0.6 percent of nonperforming loans to core capital combined with 2.7 percent from a year earlier contributes to the Excellent asset quality (8.8). Good current capitalization (6.5 on a scale of 0 to 10) based on a risk-based capital ratio of 16.9 and a capital leverage ratio of 8.5.
Asset Mix:
Securities (39%), home mtgs (21%), comm loans (6%), comm re (4%), cash (2%), consumer loans (2%), other (25%)
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
Fannin Bancorp, Inc.
Investment Rating
--
Address
230 East Third Street
Bonham, TX 75418
Bonham, TX 75418
Phone Number
(903) 583-5522
Year Founded
1921
FDIC Number
Website
Largest Affiliates
No affiliate information available.