First National Bank of Commerce
Major Rating Factors:
A current level of 1.0 percent of nonperforming loans to core capital combined with 1.1 percent from a year earlier contributes to the Excellent asset quality (9.1). Excellent current capitalization (8.8 on a scale of 0 to 10) and a capital leverage ratio of 10.2.
Other 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 (4.4 on a scale of 0 to 10). Fair liquidity 4.0, driven by a liquidity ratio of 30.4 percent and a “hot money” ratio of 22.1 percent.
Asset Mix:
Securities (44%), home mtgs (13%), comm loans (6%), cash (5%), comm re (5%), consumer loans (1%), other (26%)
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
First National Capital Corporation
Investment Rating
--
Address
206 West Main Street
Walnut Ridge, AR 72476
Walnut Ridge, AR 72476
Phone Number
(870) 886-5959
Year Founded
1919
FDIC Number
Website
Largest Affiliates
No affiliate information available.