Major 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 (5.7 on a scale of 0 to 10). A current level of 0.0 percent of nonperforming loans to core capital combined with 0.0 percent from a year earlier contributes to the Excellent asset quality (8.0).
Other Rating Factors:
Operating profits as a percentage of assets at 2.6%, coupled with a return on assets of 2.1 has resulted in Excellent (9.9) profitability. Excellent current capitalization (8.6 on a scale of 0 to 10) based on a risk-based capital ratio of 15.4 and a capital leverage ratio of 10.1.
Asset Mix:
Home mtgs (23%), cash (22%), comm re (21%), comm loans (1%), home eq lns (1%), securities (1%), consumer loans (0%), other (30%)
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
Relationship Financial Corporation
Investment Rating
--
Address
1309 Bandera Highway
Kerrville, TX 78028
Kerrville, TX 78028
Phone Number
(830) 792-1950
Year Founded
2008
FDIC Number
Website
Largest Affiliates
No affiliate information available.