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). Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 0.9 has resulted in Fair (4.7) profitability.
Other Rating Factors:
Fair liquidity 3.6, driven by a liquidity ratio of 32.9 percent and a “hot money” ratio of 15.4 percent. Excellent current capitalization (8.5 on a scale of 0 to 10) and a capital leverage ratio of 10.0.
Asset Mix:
Securities (25%), comm re (24%), cash (15%), comm loans (11%), home mtgs (5%), 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
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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
No affiliate information available.