Major Rating Factors:
A current level of 0.3 percent of nonperforming loans to core capital combined with 0.1 percent from a year earlier contributes to the Excellent asset quality (8.7). Excellent current capitalization (8.0 on a scale of 0 to 10) based on a risk-based capital ratio of 15.0 and a capital leverage ratio of 9.6.
Other Rating Factors:
Operating profits as a percentage of assets at 1.9%, coupled with a return on assets of 1.9 has resulted in Excellent (7.7) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.7 on a scale of 0 to 10).
Asset Mix:
Home mtgs (27%), comm re (22%), securities (21%), comm loans (15%), cash (2%), consumer loans (2%), other (11%)
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
No affiliate information available.