Major Rating Factors:
Excellent current capitalization (8.1 on a scale of 0 to 10) and a capital leverage ratio of 10.4. Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.4 has resulted in Good (5.1) profitability.
Other Rating Factors:
A current level of 6.4 percent of nonperforming loans to core capital combined with 13.6 percent from a year earlier contributes to the Fair asset quality (4.7). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.9 on a scale of 0 to 10).
Asset Mix:
Securities (28%), home mtgs (18%), comm re (14%), comm loans (12%), cash (8%), consumer loans (4%), other (16%)
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
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