Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Very Weak overall stability index (0.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.0%, coupled with a return on assets of 0.0 has resulted in Very Weak (0.5) profitability.
Other Rating Factors:
Fair liquidity 4.5, driven by a liquidity ratio of 58.8 percent and a “hot money” ratio of 37.5 percent. A current level of 5.6 percent of nonperforming loans to core capital combined with 17.3 percent from a year earlier contributes to the Good asset quality (6.0).
Asset Mix:
Securities (48%), comm loans (22%), cash (11%), comm re (9%), home mtgs (1%), other (9%)
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)
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Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Investment Rating
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Address
1 Riverway
Houston, TX 77056
Houston, TX 77056
Phone Number
(713) 999-8800
Year Founded
2019
FDIC Number
Website
Largest Affiliates
No affiliate information available.