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 (0.2). Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.8 has resulted in Fair (4.8) profitability.
Other Rating Factors:
Fair liquidity 3.7, driven by a liquidity ratio of 33.1 percent and a “hot money” ratio of 16.7 percent. Excellent current capitalization (7.6 on a scale of 0 to 10) and a capital leverage ratio of 9.4.
Asset Mix:
Securities (34%), comm re (26%), cash (12%), comm loans (10%), home mtgs (4%), consumer loans (0%), other (14%)
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
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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
24285 Katy Freeway
Katy, TX 77494
Katy, TX 77494
Phone Number
(281) 505-9500
Year Founded
2022
FDIC Number
Website
Largest Affiliates
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