Major Rating Factors:
Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.7 has resulted in Weak (2.8) 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:
Weak liquidity 1.4, driven by a liquidity ratio of 41.5 percent and a “hot money” ratio of 49.2 percent. A current level of 2.8 percent of nonperforming loans to core capital combined with 5.3 percent from a year earlier contributes to the Excellent asset quality (7.5).
Asset Mix:
Securities (33%), comm re (28%), comm loans (14%), cash (3%), home mtgs (3%), consumer loans (1%), other (18%)
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
1 Riverway
Houston, TX 77056
Houston, TX 77056
Phone Number
(713) 999-8800
Year Founded
2019
FDIC Number
Website
Largest Affiliates
There are no affiliate to display.