Major Rating Factors:
A current level of 9.0 percent of nonperforming loans to core capital combined with 9.7 percent from a year earlier contributes to the Fair asset quality (4.2). Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.7 has resulted in Fair (3.9) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 11.7. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.7 on a scale of 0 to 10).
Asset Mix:
Home mtgs (29%), consumer loans (17%), comm re (11%), securities (9%), comm loans (7%), cash (4%), other (23%)
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.