Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 25.4 and a capital leverage ratio of 17.3. Operating profits as a percentage of assets at 2.5%, coupled with a return on assets of 2.0 has resulted in Excellent (9.9) profitability.
Other Rating Factors:
A current level of 0.0 percent of nonperforming loans to core capital combined with 0.0 percent from a year earlier contributes to the Excellent asset quality (7.8). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10).
Asset Mix:
Comm re (32%), home mtgs (17%), securities (13%), cash (11%), comm loans (2%), home eq lns (2%), consumer loans (1%), other (22%)
States with Branches:
TN
Corporate Info
Bradley County Financial Corp.
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75 Bobby Taylor Avenue
Cleveland, TN 37311
Cleveland, TN 37311
(423) 478-5656
1987
Largest Affiliates
No affiliate information available.