Major Rating Factors:
Excellent current capitalization (7.5 on a scale of 0 to 10) based on a risk-based capital ratio of 13.1 and a capital leverage ratio of 9.4. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.9 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.3 has resulted in Good (5.4) profitability. A current level of 8.5 percent of nonperforming loans to core capital combined with 3.8 percent from a year earlier contributes to the Good asset quality (5.1).
Asset Mix:
Securities (25%), comm re (21%), home mtgs (18%), comm loans (7%), consumer loans (5%), cash (2%), home eq lns (1%), other (21%)
States with Branches:
AR, MO
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
FNBC Bancorp Inc
Investment Rating
--
Address
636 Ash Flat Drive
Ash Flat, AR 72513
Ash Flat, AR 72513
Phone Number
(870) 994-2311
Year Founded
1912
FDIC Number
Website
Largest Affiliates
No affiliate information available.