Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.5 on a scale of 0 to 10). Operating profits as a percentage of assets at 2.6%, coupled with a return on assets of 2.0 has resulted in Excellent (8.5) profitability.
Other Rating Factors:
Fair liquidity 3.7, driven by a liquidity ratio of 40.2 percent and a “hot money” ratio of 10.5 percent. A current level of 0.0 percent of nonperforming loans to core capital combined with 0.0 percent from a year earlier contributes to the Excellent asset quality (9.1).
Asset Mix:
Cash (28%), comm re (22%), home mtgs (18%), securities (8%), home eq lns (4%), comm loans (3%), consumer loans (0%), other (17%)
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
CCB Bancorp, Inc.
Investment Rating
--
Address
2365 West Broad Street
Athens, GA 30606
Athens, GA 30606
Phone Number
(706) 222-2265
Year Founded
2020
FDIC Number
Website
Largest Affiliates
No affiliate information available.