Development
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 37.8 and a capital leverage ratio of 14.5. A current level of 0.2 percent of nonperforming loans to core capital combined with 0.6 percent from a year earlier contributes to the Excellent asset quality (9.2).
Other Rating Factors:
Operating profits as a percentage of assets at 2.6%, coupled with a return on assets of 2.1 has resulted in Excellent (9.2) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.0 on a scale of 0 to 10).
Asset Mix:
Securities (60%), home mtgs (8%), comm re (6%), comm loans (5%), cash (2%), consumer loans (1%), other (18%)
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
5800 San Dario Avenue
Laredo, TX 78041
Laredo, TX 78041
Phone Number
(956) 724-1616
Year Founded
1982
FDIC Number
Website
Largest Affiliates
Laredo, TX
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Bank
Brownsville, TX
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Bank
Oklahoma City, OK
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Bank
Zapata, TX
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Bank