Major Rating Factors:
A current level of 2.2 percent of nonperforming loans to core capital combined with 0.5 percent from a year earlier contributes to the Excellent asset quality (7.8). Excellent current capitalization (7.7 on a scale of 0 to 10) based on a risk-based capital ratio of 15.8 and a capital leverage ratio of 9.5.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.5 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 1.0 has resulted in Fair (3.9) profitability.
Asset Mix:
Securities (39%), comm re (22%), home mtgs (14%), comm loans (9%), cash (2%), consumer loans (0%), other (15%)
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
MNB Bancshares, Inc.
Investment Rating
--
Address
501 South Main Street
Malvern, AR 72104
Malvern, AR 72104
Phone Number
(501) 332-6955
Year Founded
1934
FDIC Number
Website
Largest Affiliates
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