Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (5.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.6 has resulted in Good (5.8) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 16.2 and a net worth ratio of 16.2. A current level of 2.4 percent of nonperforming loans to core capital combined with 3.1 percent from a year earlier contributes to the Excellent asset quality (8.2).
Asset Mix:
Consumer loans (62%), other (38%)
Largest Competitors
Abilene, TX
Abilene, TX
Abilene, TX
Abilene, TX
Abilene, TX