Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 30.9 and a capital leverage ratio of 16.6. A current level of 0.5 percent of nonperforming loans to core capital combined with 2.7 percent from a year earlier contributes to the Excellent asset quality (7.8).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.4 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 1.0 has resulted in Fair (4.3) profitability.
Asset Mix:
Home mtgs (28%), securities (27%), consumer loans (14%), comm loans (6%), comm re (4%), cash (2%), other (18%)
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
Investment Rating
--
Address
600 Main Street
Scranton, AR 72863
Scranton, AR 72863
Phone Number
(479) 938-2511
Year Founded
1926
FDIC Number
Website
Largest Affiliates
No affiliate information available.