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 (5.0 on a scale of 0 to 10). A current level of 14.0 percent of nonperforming loans to core capital combined with 0.3 percent from a year earlier contributes to the Good asset quality (5.5).
Other Rating Factors:
Excellent current capitalization (8.5 on a scale of 0 to 10) based on a risk-based capital ratio of 15.6 and a capital leverage ratio of 10.0. Operating profits as a percentage of assets at 2.2%, coupled with a return on assets of 2.2 has resulted in Excellent (8.3) profitability.
Asset Mix:
Home mtgs (30%), securities (20%), comm re (19%), comm loans (16%), cash (2%), consumer loans (1%), other (12%)
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
Commercial Bancshares, Inc.
Investment Rating
--
Address
5515 Summerhill Road
Texarkana, TX 75503
Texarkana, TX 75503
Phone Number
(870) 216-3506
Year Founded
1964
FDIC Number
Website
Largest Affiliates
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