The Security State 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). A current level of 0.1 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.7).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 24.2 and a capital leverage ratio of 14.7. Operating profits as a percentage of assets at 2.1%, coupled with a return on assets of 2.1 has resulted in Excellent (8.9) profitability.
Asset Mix:
Comm re (23%), cash (22%), securities (16%), comm loans (10%), home mtgs (9%), consumer loans (3%), other (18%)
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
Farmers Bancshares, Inc.
Investment Rating
--
Address
45 West Oak Street
McRae-Helena, GA 31055
McRae-Helena, GA 31055
Phone Number
(229) 868-6431
Year Founded
1950
FDIC Number
Website
Largest Affiliates
Dublin, GA
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Bank