Major Rating Factors:
Excellent current capitalization (9.8 on a scale of 0 to 10) and a capital leverage ratio of 10.8. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (9.0 on a scale of 0 to 10).
Other Rating Factors:
A current level of 4.4 percent of nonperforming loans to core capital combined with 4.4 percent from a year earlier contributes to the Excellent asset quality (7.1). Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 1.3 has resulted in Good (5.8) profitability.
Asset Mix:
Comm re (28%), home mtgs (19%), securities (14%), comm loans (9%), cash (4%), home eq lns (2%), consumer loans (1%), other (22%)
States with Branches:
AL, FL, LA, MS
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
BancPlus Corporation
Investment Rating
--
Address
202 East Jackson Street
Belzoni, MS 39038
Belzoni, MS 39038
Phone Number
(662) 247-1811
Year Founded
1909
FDIC Number
Website
Largest Affiliates
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