Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 20.1 and a capital leverage ratio of 11.3. Operating profits as a percentage of assets at 2.2%, coupled with a return on assets of 2.2 has resulted in Excellent (8.1) profitability.
Other Rating Factors:
A current level of 1.3 percent of nonperforming loans to core capital combined with 1.5 percent from a year earlier contributes to the Excellent asset quality (7.4). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10).
Asset Mix:
Home mtgs (29%), securities (20%), cash (11%), comm re (9%), consumer loans (7%), comm loans (4%), home eq lns (1%), other (19%)
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
Union Bankshares, Inc.
Investment Rating
--
Address
303 Highway 71 North
Mena, AR 71953
Mena, AR 71953
Phone Number
(479) 394-2211
Year Founded
1934
FDIC Number
Website
Largest Affiliates
No affiliate information available.