Major 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 (4.3 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.2 has resulted in Good (5.3) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 16.0 and a capital leverage ratio of 11.9. A current level of 0.1 percent of nonperforming loans to core capital combined with 2.1 percent from a year earlier contributes to the Good asset quality (6.0).
Asset Mix:
Comm re (33%), securities (12%), comm loans (10%), home mtgs (9%), cash (7%), consumer loans (1%), other (28%)
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
Harmony Bancshares, Inc.
Investment Rating
--
Address
4161 McKinney Avenue
Dallas, TX 75204
Dallas, TX 75204
Phone Number
(214) 219-0003
Year Founded
2005
FDIC Number
Website
Largest Affiliates
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