Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.3 has resulted in Good (5.2) profitability.
Other Rating Factors:
Excellent current capitalization (8.5 on a scale of 0 to 10) based on a risk-based capital ratio of 15.3 and a capital leverage ratio of 10.0. A current level of 3.7 percent of nonperforming loans to core capital combined with 2.0 percent from a year earlier contributes to the Good asset quality (6.1).
Asset Mix:
Home mtgs (18%), comm re (16%), securities (15%), comm loans (5%), cash (2%), consumer loans (1%), other (42%)
States with Branches:
AR, TX
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
Bainum Bancorp
Investment Rating
--
Address
205 Highway 70 East
Glenwood, AR 71943
Glenwood, AR 71943
Phone Number
(870) 356-2121
Year Founded
1904
FDIC Number
Website
Largest Affiliates
No affiliate information available.