Major Rating Factors:
Operating profits as a percentage of assets at 0.4%, coupled with a return on assets of 0.4 has resulted in Very Weak (0.1) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.1 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 25.9 and a capital leverage ratio of 11.3. A current level of 8.6 percent of nonperforming loans to core capital combined with 6.6 percent from a year earlier contributes to the Good asset quality (6.6).
Asset Mix:
Securities (28%), comm re (22%), cash (13%), comm loans (8%), home mtgs (3%), consumer loans (1%), other (26%)
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
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