Major Rating Factors:
Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.7 has resulted in Fair (4.0) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.7 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 18.2 and a capital leverage ratio of 13.5. A current level of 0.0 percent of nonperforming loans to core capital combined with 2.3 percent from a year earlier contributes to the Excellent asset quality (7.5).
Asset Mix:
Comm re (51%), home mtgs (20%), cash (12%), comm loans (5%), other (11%)
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
Investment Rating
--
Address
2600 South Gessner Road
Houston, TX 77063
Houston, TX 77063
Phone Number
(713) 358-9400
Year Founded
2006
FDIC Number
Website
Largest Affiliates
No affiliate information available.