Major Rating Factors:
An analysis of stability tests since inception including evaluations of capital adequacy, asset growth, and profitability lead to a Very Weak overall stability index (0.0). Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.0 has resulted in Fair (4.0) profitability.
Other Rating Factors:
Fair liquidity 4.1, driven by a liquidity ratio of 50.1 percent and a “hot money” ratio of 26.7 percent. A current level of 0.3 percent of nonperforming loans to core capital combined with 0.1 percent from a year earlier contributes to the Excellent asset quality (9.2).
Asset Mix:
Securities (25%), comm re (23%), cash (19%), home mtgs (3%), comm loans (2%), consumer loans (0%), other (27%)
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
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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
Investment Rating
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Address
600 Veterans Parkway North
Moultrie, GA 31788
Moultrie, GA 31788
Phone Number
(229) 785-1300
Year Founded
2022
FDIC Number
Website
Largest Affiliates
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