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 0.2%, coupled with a return on assets of 0.2 has resulted in Weak (1.3) profitability.
Other Rating Factors:
Good liquidity 5.7, driven by a liquidity ratio of 66.4 percent and a “hot money” ratio of 22.4 percent. A current level of 0.1 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.8).
Asset Mix:
Cash (47%), securities (19%), comm re (10%), comm loans (2%), home mtgs (1%), consumer loans (0%), other (21%)
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
--
Address
600 Veterans Parkway North
Moultrie, GA 31788
Moultrie, GA 31788
Phone Number
(229) 785-1300
Year Founded
2022
FDIC Number
Website
Largest Affiliates
No affiliate information available.