Major Rating Factors:
Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 1.1 has resulted in Fair (5.0) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.8 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (7.3 on a scale of 0 to 10) and a capital leverage ratio of 10.0. A current level of 4.0 percent of nonperforming loans to core capital combined with 4.2 percent from a year earlier contributes to the Good asset quality (5.2).
Asset Mix:
Securities (31%), comm loans (17%), home mtgs (15%), comm re (9%), cash (7%), consumer loans (4%), other (17%)
States with Branches:
AR
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
FBT Bancshares, Inc.
Investment Rating
--
Address
200 West Fourth Street
Fordyce, AR 71742
Fordyce, AR 71742
Phone Number
(870) 352-3107
Year Founded
1931
FDIC Number
Website
Largest Affiliates
No affiliate information available.