Great Oaks Bank
Major Rating Factors:
Excellent current capitalization (8.9 on a scale of 0 to 10) based on a risk-based capital ratio of 15.0 and a capital leverage ratio of 10.3. A current level of 0.6 percent of nonperforming loans to core capital combined with 0.3 percent from a year earlier contributes to the Excellent asset quality (8.6).
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 (6.6 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.4 has resulted in Good (6.0) profitability.
Asset Mix:
Comm re (30%), securities (23%), home mtgs (12%), cash (8%), comm loans (6%), home eq lns (4%), consumer loans (3%), other (14%)
States with Branches:
GA
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
Great Oaks Financial Holdings, Inc.
Investment Rating
--
Address
42 Town Centre Drive
Richmond Hill, GA 31324
Richmond Hill, GA 31324
Phone Number
(912) 445-6868
Year Founded
1934
FDIC Number
Website
Largest Affiliates
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