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 (6.3 on a scale of 0 to 10). 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 (9.0).
Other Rating Factors:
Weak liquidity 3.0, driven by a liquidity ratio of 32.2 percent and a “hot money” ratio of 10.6 percent. Operating profits as a percentage of assets at 2.7%, coupled with a return on assets of 2.1 has resulted in Excellent (9.7) profitability.
Asset Mix:
Comm re (25%), cash (20%), home mtgs (19%), securities (9%), comm loans (6%), home eq lns (4%), consumer loans (0%), other (16%)
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.