Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 21.8 and a capital leverage ratio of 12.0. A current level of 3.9 percent of nonperforming loans to core capital combined with 4.7 percent from a year earlier contributes to the Excellent asset quality (7.1).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.2 on a scale of 0 to 10). Weak liquidity 2.9, driven by a liquidity ratio of 58.2 percent and a “hot money” ratio of 39.7 percent.
Asset Mix:
Securities (32%), comm re (23%), cash (14%), comm loans (11%), home mtgs (2%), consumer loans (1%), other (17%)
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
1701 Fairway Plaza
Alvin, TX 77511
Alvin, TX 77511
Phone Number
(281) 388-5200
Year Founded
2006
FDIC Number
Largest Affiliates
No affiliate information available.