Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 13.4. A current level of 2.3 percent of nonperforming loans to core capital combined with 7.5 percent from a year earlier contributes to the Excellent asset quality (9.1).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.2 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 0.9 has resulted in Fair (4.5) profitability.
Asset Mix:
Securities (37%), cash (21%), comm re (18%), home mtgs (7%), comm loans (4%), consumer loans (1%), other (12%)
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
Briscoe Ranch, Inc.
Investment Rating
--
Address
200 East Nopal Street
Uvalde, TX 78801
Uvalde, TX 78801
Phone Number
(830) 278-6231
Year Founded
1907
FDIC Number
Website
Largest Affiliates
No affiliate information available.