Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 54.2 and a capital leverage ratio of 18.6. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (9.8 on a scale of 0 to 10).
Other Rating Factors:
A current level of 13.3 percent of nonperforming loans to core capital combined with 10.5 percent from a year earlier contributes to the Good asset quality (5.4). Good liquidity 5.2, driven by a liquidity ratio of 18.6 percent and a “hot money” ratio of 11.0 percent.
Asset Mix:
Securities (68%), comm loans (13%), cash (6%), comm re (6%), home mtgs (0%), other (7%)
States with Branches:
AZ, CA, CO, FL, GA, IL, MA, NV, PA, TX, WA
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
Beal Financial Corporation
Investment Rating
--
Address
1970 Village Center Circle
Las Vegas, NV 89134
Las Vegas, NV 89134
Phone Number
(702) 598-3500
Year Founded
2004
FDIC Number
Website
Largest Affiliates
Plano, TX
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Bank