Major Rating Factors:
Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.4 has resulted in Weak (2.5) profitability. 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:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 12.7 and a capital leverage ratio of 11.0. A current level of 0.4 percent of nonperforming loans to core capital combined with 0.1 percent from a year earlier contributes to the Excellent asset quality (8.3).
Asset Mix:
Comm re (32%), comm loans (28%), home mtgs (10%), home eq lns (6%), securities (5%), cash (5%), consumer loans (0%), other (13%)
States with Branches:
MS, TN
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
Banc3 Holdings, Inc.
Investment Rating
--
Address
5210 Poplar Avenue
Memphis, TN 38119
Memphis, TN 38119
Phone Number
(901) 623-2265
Year Founded
1910
FDIC Number
Website
Largest Affiliates
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