Major Rating Factors:
A current level of 18.3 percent of nonperforming loans to core capital combined with 7.4 percent from a year earlier contributes to the Fair asset quality (3.0). Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.2 has resulted in Good (6.1) profitability.
Other Rating Factors:
Excellent current capitalization (9.2 on a scale of 0 to 10) and a capital leverage ratio of 10.5. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10).
Asset Mix:
Comm loans (25%), home mtgs (24%), comm re (21%), securities (8%), cash (2%), consumer loans (2%), home eq lns (1%), other (18%)
States with Branches:
AR, TX
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
Bodcaw Bancshares, Inc.
Investment Rating
--
Address
307 Thomas Street
Stamps, AR 71860
Stamps, AR 71860
Phone Number
(870) 533-4486
Year Founded
1903
FDIC Number
Website
Largest Affiliates
No affiliate information available.