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 (3.7 on a scale of 0 to 10). A current level of 2.8 percent of nonperforming loans to core capital combined with 1.6 percent from a year earlier contributes to the Good asset quality (6.6).
Other Rating Factors:
Excellent current capitalization (9.4 on a scale of 0 to 10) and a capital leverage ratio of 10.6. Operating profits as a percentage of assets at 2.2%, coupled with a return on assets of 2.2 has resulted in Excellent (9.1) profitability.
Asset Mix:
Home mtgs (24%), comm loans (18%), comm re (16%), securities (10%), cash (9%), home eq lns (1%), consumer loans (1%), other (21%)
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
Austin County Bancshares, Inc.
Investment Rating
--
Address
436 South Front Street
Bellville, TX 77418
Bellville, TX 77418
Phone Number
(979) 865-4200
Year Founded
2007
FDIC Number
Website
Largest Affiliates
No affiliate information available.