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 (3.7 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.2 has resulted in Good (5.9) profitability.
Other Rating Factors:
Excellent current capitalization (8.9 on a scale of 0 to 10) based on a risk-based capital ratio of 13.5 and a capital leverage ratio of 10.3. A current level of 0.0 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.3).
Asset Mix:
Comm re (52%), home mtgs (13%), securities (11%), comm loans (5%), cash (3%), consumer loans (2%), home eq lns (1%), other (14%)
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
Capital Bancorp, Inc.
Investment Rating
--
Address
10304 I-10 East Freeway
Houston, TX 77029
Houston, TX 77029
Phone Number
(713) 675-2341
Year Founded
1965
FDIC Number
Website
Largest Affiliates
No affiliate information available.