First Community Bank
Major Rating Factors:
Good current capitalization (6.8 on a scale of 0 to 10) based on a risk-based capital ratio of 11.1 and a capital leverage ratio of 8.8. A current level of 9.8 percent of nonperforming loans to core capital combined with 7.6 percent from a year earlier contributes to the Good asset quality (5.2).
Other Rating Factors:
Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.0 has resulted in Good (5.1) profitability. 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).
Asset Mix:
Comm re (21%), home mtgs (18%), comm loans (13%), securities (9%), consumer loans (6%), cash (4%), home eq lns (2%), other (26%)
States with Branches:
AR, MO
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
First Community Bancshares, Inc.
Investment Rating
--
Address
1325 Harrison Street
Batesville, AR 72501
Batesville, AR 72501
Phone Number
(870) 612-3400
Year Founded
1997
FDIC Number
Website
Largest Affiliates
No affiliate information available.