Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 68.0 and a capital leverage ratio of 17.5. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (9.2 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 5.1%, coupled with a return on assets of 3.9 has resulted in Excellent (9.1) profitability. A current level of 4.4 percent of nonperforming loans to core capital combined with 5.4 percent from a year earlier contributes to the Excellent asset quality (8.1).
Asset Mix:
Securities (76%), comm loans (7%), home mtgs (3%), comm re (3%), cash (3%), other (8%)
States with Branches:
CA, OH, PA, 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
Beal Financial Corporation
Investment Rating
--
Address
6000 Legacy Drive
Plano, TX 75024
Plano, TX 75024
Phone Number
(469) 467-5000
Year Founded
1988
FDIC Number
Website
Largest Affiliates
Las Vegas, NV
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Bank