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 0.3%, coupled with a return on assets of 0.3 has resulted in Very Weak (0.4) profitability.
Other Rating Factors:
Fair liquidity 4.6, driven by a liquidity ratio of 23.1 percent and a “hot money” ratio of 37.5 percent. A current level of 0.1 percent of nonperforming loans to core capital combined with -2.2 percent from a year earlier contributes to the Excellent asset quality (9.9).
Asset Mix:
Securities (64%), cash (12%), home mtgs (6%), comm re (4%), comm loans (2%), consumer loans (1%), other (12%)
States with Branches:
TX
Corporate Info
Industry Bancshares, Inc.
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103 West Seventh Street
Shiner, TX 77984
Shiner, TX 77984
(361) 594-3317
1891
Largest Affiliates
Buffalo, TX
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Bank
Industry, TX
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Bank
Bellville, TX
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Bank
Brenham, TX
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Bank
Fayetteville, TX
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Bank