Major Rating Factors:
An analysis of stability tests since inception including evaluations of capital adequacy, asset growth, and profitability lead to a Very Weak overall stability index (0.0).
Other Rating Factors:
Very Weak liquidity 0.5, driven by a liquidity ratio of 26.9 percent and a “hot money” ratio of 26.2 percent. A current level of 0.3 percent of nonperforming loans to core capital combined with 0.0 percent from a year earlier contributes to the Excellent asset quality (7.2).
Asset Mix:
Comm re (33%), comm loans (21%), cash (17%), securities (4%), home mtgs (4%), home eq lns (1%), consumer loans (0%), other (20%)
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
2401 North Shepherd Drive
Houston, TX 77008
Houston, TX 77008
Phone Number
(713) 324-8810
Year Founded
2022
FDIC Number
Website
Largest Affiliates
No affiliate information available.