Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 14.6. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.7 on a scale of 0 to 10).
Other Rating Factors:
A current level of 8.4 percent of nonperforming loans to core capital combined with 9.6 percent from a year earlier contributes to the Good asset quality (6.0). Fair liquidity 3.2, driven by a liquidity ratio of 14.6 percent and a “hot money” ratio of 35.0 percent.
Asset Mix:
Securities (40%), home mtgs (19%), comm re (8%), comm loans (7%), consumer loans (5%), cash (2%), other (18%)
States with Branches:
AR
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
Investment Rating
--
Address
201 South Main Street
Warren, AR 71671
Warren, AR 71671
Phone Number
(870) 226-2621
Year Founded
1901
FDIC Number
Website
Largest Affiliates
No affiliate information available.