Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.1 on a scale of 0 to 10).
Other Rating Factors:
Weak liquidity 1.2, driven by a liquidity ratio of 31.6 percent and a “hot money” ratio of 23.5 percent. A current level of 4.7 percent of nonperforming loans to core capital combined with 0.1 percent from a year earlier contributes to the Excellent asset quality (8.1).
Asset Mix:
Cash (21%), home mtgs (21%), securities (16%), comm re (13%), home eq lns (9%), comm loans (7%), consumer loans (1%), other (13%)
States with Branches:
TN
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
Recap Financial Ventures, LLC
Investment Rating
--
Address
120 5th Avenue North
Franklin, TN 37064
Franklin, TN 37064
Phone Number
(629) 248-9092
Year Founded
1927
FDIC Number
Website
Largest Affiliates
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