Relyance Bank
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). Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.2 has resulted in Good (5.9) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 14.3 and a capital leverage ratio of 12.4. A current level of 1.6 percent of nonperforming loans to core capital combined with 0.5 percent from a year earlier contributes to the Good asset quality (6.8).
Asset Mix:
Comm re (37%), comm loans (14%), securities (9%), home mtgs (7%), cash (7%), consumer loans (0%), other (25%)
States with Branches:
AR
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
Jefferson Bancshares, Inc.
Investment Rating
--
Address
8500 Sheridan Road
White Hall, AR 71602
White Hall, AR 71602
Phone Number
(870) 535-7222
Year Founded
1965
FDIC Number
Website
Largest Affiliates
No affiliate information available.