Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (1.7 on a scale of 0 to 10).
Other Rating Factors:
Fair liquidity 4.5, driven by a liquidity ratio of 43.6 percent and a “hot money” ratio of 41.7 percent. A current level of 1.0 percent of nonperforming loans to core capital combined with -19.7 percent from a year earlier contributes to the Excellent asset quality (9.9).
Asset Mix:
Securities (65%), home mtgs (11%), cash (10%), comm re (4%), comm loans (2%), consumer loans (1%), other (7%)
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
Industry Bancshares, Inc.
Investment Rating
--
Address
501 South Austin Street
Brenham, TX 77833
Brenham, TX 77833
Phone Number
(979) 836-3332
Year Founded
2001
FDIC Number
Website
Largest Affiliates
Buffalo, TX
-
Bank
Shiner, TX
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Bank
Bellville, TX
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Bank
Industry, TX
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Bank
Fayetteville, TX
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Bank