Major Rating Factors:
Good current capitalization (6.9 on a scale of 0 to 10) and a capital leverage ratio of 8.9. A current level of 7.0 percent of nonperforming loans to core capital combined with 0.3 percent from a year earlier contributes to the Good asset quality (6.0).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (5.0 on a scale of 0 to 10). Fair liquidity 3.1, driven by a liquidity ratio of 27.1 percent and a “hot money” ratio of 24.9 percent.
Asset Mix:
Comm re (24%), securities (24%), cash (11%), home mtgs (11%), comm loans (9%), home eq lns (1%), consumer loans (1%), 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
Yoakum National BancShares, Inc.
Investment Rating
--
Address
301 West Grand Avenue
Yoakum, TX 77995
Yoakum, TX 77995
Phone Number
(361) 293-5225
Year Founded
1890
FDIC Number
Website
Largest Affiliates
No affiliate information available.