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 (5.0 on a scale of 0 to 10). A current level of 0.9 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.6).
Other Rating Factors:
Operating profits as a percentage of assets at 2.3%, coupled with a return on assets of 1.7 has resulted in Excellent (8.8) profitability. Excellent current capitalization (8.7 on a scale of 0 to 10) based on a risk-based capital ratio of 14.6 and a capital leverage ratio of 10.2.
Asset Mix:
Comm re (29%), home mtgs (17%), cash (9%), securities (9%), home eq lns (8%), comm loans (8%), consumer loans (1%), other (19%)
States with Branches:
GA
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
RCB Financial Corporation
Investment Rating
--
Address
228 North Second Avenue, SW
Rome, GA 30165
Rome, GA 30165
Phone Number
(706) 236-2123
Year Founded
2006
FDIC Number
Website
Largest Affiliates
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