Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 21.7. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.5 on a scale of 0 to 10).
Other Rating Factors:
A current level of 0.0 percent of nonperforming loans to core capital combined with 1.3 percent from a year earlier contributes to the Excellent asset quality (7.7). Operating profits as a percentage of assets at 2.6%, coupled with a return on assets of 2.1 has resulted in Good (6.1) profitability.
Asset Mix:
Comm re (27%), securities (19%), home mtgs (16%), cash (12%), comm loans (6%), consumer loans (2%), other (19%)
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
Etex Banco, Inc.
Investment Rating
--
Address
315 North Main Street
Winnsboro, TX 75494
Winnsboro, TX 75494
Phone Number
(903) 342-5275
Year Founded
1893
FDIC Number
Website
Largest Affiliates
No affiliate information available.