Development
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 19.8 and a capital leverage ratio of 16.4. Operating profits as a percentage of assets at 3.6%, coupled with a return on assets of 2.8 has resulted in Excellent (10.0) profitability.
Other Rating Factors:
A current level of 2.7 percent of nonperforming loans to core capital combined with 2.6 percent from a year earlier contributes to the Excellent asset quality (7.4). 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).
Asset Mix:
Comm re (22%), securities (20%), comm loans (12%), home mtgs (8%), cash (6%), home eq lns (1%), consumer loans (0%), other (31%)
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
International Bancshares Corporation
Investment Rating
Address
1200 San Bernardo Avenue
Laredo, TX 78040
Laredo, TX 78040
Phone Number
(956) 722-7611
Year Founded
1966
FDIC Number
Website
Largest Affiliates
Brownsville, TX
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Bank
Oklahoma City, OK
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Bank
Laredo, TX
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Bank
Zapata, TX
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Bank