Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Very Weak overall stability index (0.3 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.6 has resulted in Weak (1.6) profitability.
Other Rating Factors:
Fair liquidity 4.2, driven by a liquidity ratio of 17.8 percent and a “hot money” ratio of 38.8 percent. A current level of 0.4 percent of nonperforming loans to core capital combined with -2.5 percent from a year earlier contributes to the Excellent asset quality (9.5).
Asset Mix:
Securities (64%), cash (8%), comm loans (6%), home mtgs (5%), comm re (5%), 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
Industry Bancshares, Inc.
Investment Rating
--
Address
16886 Fordtran Boulevard
Industry, TX 78944
Industry, TX 78944
Phone Number
(979) 357-4437
Year Founded
1911
FDIC Number
Website
Largest Affiliates
Buffalo, TX
-
Bank
Shiner, TX
-
Bank
Bellville, TX
-
Bank
Brenham, TX
-
Bank
Fayetteville, TX
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Bank
