Major Rating Factors:
A current level of 14.6 percent of nonperforming loans to core capital combined with 16.4 percent from a year earlier contributes to the Fair asset quality (3.0). Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.2 has resulted in Good (7.0) profitability.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (10.0 on a scale of 0 to 10). Excellent current capitalization (9.5 on a scale of 0 to 10) based on a risk-based capital ratio of 17.5 and a capital leverage ratio of 10.7.
Asset Mix:
Comm re (35%), comm loans (34%), cash (9%), securities (4%), home mtgs (1%), other (18%)
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
Tectonic Financial, Inc.
Investment Rating
--
Address
16200 Dallas Parkway
Dallas, TX 75248
Dallas, TX 75248
Phone Number
(972) 720-9000
Year Founded
2004
FDIC Number
Website
Largest Affiliates
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