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).
Other Rating Factors:
Fair liquidity 4.3, driven by a liquidity ratio of 48.3 percent and a “hot money” ratio of 6.1 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 (8.7).
Asset Mix:
Comm loans (20%), comm re (18%), securities (14%), cash (3%), consumer loans (1%), home mtgs (0%), other (43%)
States with Branches:
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
517 SW 27th Avenue
Ocala, FL 34471
Ocala, FL 34471
Phone Number
Year Founded
2024
FDIC Number
Largest Affiliates
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