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 (2.5 on a scale of 0 to 10).
Other Rating Factors:
Fair liquidity 4.6, driven by a liquidity ratio of 43.8 percent and a “hot money” ratio of 36.7 percent. Excellent current capitalization (8.8 on a scale of 0 to 10) and a capital leverage ratio of 10.2.
Asset Mix:
Securities (63%), cash (12%), home mtgs (11%), comm re (4%), comm loans (2%), consumer loans (1%), other (8%)
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
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Shiner, TX
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Bank
Industry, TX
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Bank
Bellville, TX
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Fayetteville, TX
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Bank