Fort Davis State Bank

Major Rating Factors: Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 12.6. A current level of 0.6 percent of nonperforming loans to core capital combined with 0.5 percent from a year earlier contributes to the Excellent asset quality (7.5).

Other Rating Factors: A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (7.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.9%, coupled with a return on assets of 1.6 has resulted in Good (6.2) profitability.

Asset Mix: Securities (34%), cash (22%), comm loans (13%), comm re (5%), home mtgs (5%), consumer loans (2%), other (19%)

States with Branches: TX

Asset Quality

Non-Performing Loans to Capital

0.63%

Non-Performing Assets to Assets

0.11%

Non-Performing Loans to Loans

0.20%

Loan Loss Reserves to Loans

0.74%

Charge-Offs to Average Loans

0.02%

5-Year Charge-Offs to Average Loans

0.17%

5-Year Asset Growth

20.87%

1-Year Asset Growth

35.24%

Profitability

Operating Profit to Average Assets

1.88%

Return on Equity

10.54%

Net Interest Spread

5.37%

5-Year ROAA (Return on Average Assets)

0.62%

Overhead Efficiency Ratio

62.65%

Liquidity

Liquidity Ratio

59.51%

Hot Money

15.70%

Corporate Info

Group Affiliation

Maverick Bancshares, Inc.

Investment Rating

Address

100 South State Street
Fort Davis, TX 79734

Phone Number

(432) 426-3211

Year Founded

1911

FDIC Number

17446

Website

http://www.fdsb.com/

Largest Affiliates

No affiliate information available.