Major Rating Factors:
A current level of 8.5 percent of nonperforming loans to core capital combined with 10.8 percent from a year earlier contributes to the Fair asset quality (4.3). Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.6 has resulted in Fair (3.5) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 11.4. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.6 on a scale of 0 to 10).
Asset Mix:
Home mtgs (27%), consumer loans (18%), comm loans (9%), securities (9%), comm re (8%), cash (5%), other (24%)
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
Pioneer Bancshares, Inc. of Horatio, Ark
Investment Rating
--
Address
123 West Main Street
Horatio, AR 71842
Horatio, AR 71842
Phone Number
(870) 832-2501
Year Founded
1905
FDIC Number
Website
Largest Affiliates
No affiliate information available.