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 (2.8 on a scale of 0 to 10).
Other Rating Factors:
A current level of 3.9 percent of nonperforming loans to core capital combined with 3.1 percent from a year earlier contributes to the Excellent asset quality (7.5). Good current capitalization (6.6 on a scale of 0 to 10) based on a risk-based capital ratio of 17.7 and a capital leverage ratio of 8.6.
Asset Mix:
Securities (41%), home mtgs (22%), comm loans (6%), comm re (4%), consumer loans (2%), cash (1%), 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.