Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 28.7 and a capital leverage ratio of 11.3. A current level of 6.5 percent of nonperforming loans to core capital combined with 1.7 percent from a year earlier contributes to the Good asset quality (6.5).
Other Rating Factors:
Fair liquidity 3.3, driven by a liquidity ratio of 51.0 percent and a “hot money” ratio of 12.0 percent. Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.5 has resulted in Weak (2.6) profitability.
Asset Mix:
Securities (62%), cash (13%), comm re (10%), comm loans (5%), home mtgs (3%), consumer loans (2%), other (4%)
States with Branches:
LA
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
St. Landry Bancshares, Inc.
Investment Rating
--
Address
132 East Landry Street
Opelousas, LA 70570
Opelousas, LA 70570
Phone Number
(337) 942-7516
Year Founded
1931
FDIC Number
Website
Largest Affiliates
No affiliate information available.