Major 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 (4.1 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.5 has resulted in Fair (3.5) profitability.
Other Rating Factors:
A current level of 0.2 percent of nonperforming loans to core capital combined with 0.1 percent from a year earlier contributes to the Excellent asset quality (7.7). Good current capitalization (6.6 on a scale of 0 to 10) based on a risk-based capital ratio of 12.1 and a capital leverage ratio of 8.6.
Asset Mix:
Home mtgs (31%), comm re (21%), securities (16%), home eq lns (8%), comm loans (4%), consumer loans (3%), cash (1%), other (16%)
States with Branches:
TN
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
CedarStone Financial, Inc.
Investment Rating
--
Address
900 West Main Street
Lebanon, TN 37087
Lebanon, TN 37087
Phone Number
(615) 443-1411
Year Founded
2004
FDIC Number
Website
Largest Affiliates
No affiliate information available.