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 (4.3 on a scale of 0 to 10). A current level of 0.1 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.3).
Other Rating Factors:
Excellent current capitalization (9.6 on a scale of 0 to 10) based on a risk-based capital ratio of 13.8 and a capital leverage ratio of 10.7. Operating profits as a percentage of assets at 2.0%, coupled with a return on assets of 2.0 has resulted in Excellent (8.2) profitability.
Asset Mix:
Comm re (39%), cash (17%), home mtgs (16%), comm loans (7%), securities (1%), consumer loans (0%), other (19%)
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
Liberty Capital Bancshares, Inc.
Investment Rating
--
Address
Liberty Plaza One
Addison, TX 75001
Addison, TX 75001
Phone Number
(469) 375-6600
Year Founded
2008
FDIC Number
Website
Largest Affiliates
No affiliate information available.