Major Rating Factors:
A current level of 18.6 percent of nonperforming loans to core capital combined with 21.5 percent from a year earlier contributes to the Fair asset quality (4.1). Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.3 has resulted in Good (6.3) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 22.7 and a capital leverage ratio of 13.8. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.3 on a scale of 0 to 10).
Asset Mix:
Home mtgs (30%), securities (20%), comm re (15%), cash (7%), comm loans (2%), consumer loans (2%), other (25%)
States with Branches:
LA
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 Guaranty Bancshares, Inc.
Investment Rating
--
Address
175 New Roads Street
New Roads, LA 70760
New Roads, LA 70760
Phone Number
(225) 638-8621
Year Founded
1956
FDIC Number
Website
Largest Affiliates
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