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 (4.9 on a scale of 0 to 10). A current level of 2.4 percent of nonperforming loans to core capital combined with 1.2 percent from a year earlier contributes to the Fair asset quality (4.8).
Other Rating Factors:
Excellent current capitalization (8.8 on a scale of 0 to 10) based on a risk-based capital ratio of 40.3 and a capital leverage ratio of 10.2. Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.0 has resulted in Fair (3.8) profitability.
Asset Mix:
Consumer loans (45%), home mtgs (37%), cash (7%), comm loans (3%), securities (2%), other (6%)
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
Greenback Fincorp, Inc.
Investment Rating
--
Address
3305 Steck Avenue
Austin, TX 78757
Austin, TX 78757
Phone Number
(512) 693-3600
Year Founded
2006
FDIC Number
Website
Largest Affiliates
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