Development
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 69.2 and a capital leverage ratio of 14.8. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.5 on a scale of 0 to 10).
Other Rating Factors:
A current level of 5.0 percent of nonperforming loans to core capital combined with 11.2 percent from a year earlier contributes to the Excellent asset quality (7.4). Excellent liquidity 7.3, driven by a liquidity ratio of 33.1 percent and a “hot money” ratio of 19.0 percent.
Asset Mix:
Securities (56%), cash (22%), comm loans (5%), home mtgs (4%), comm re (2%), other (10%)
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