Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 27.9 and a capital leverage ratio of 11.2. A current level of 9.1 percent of nonperforming loans to core capital combined with 14.9 percent from a year earlier contributes to the Good asset quality (6.0).
Other Rating Factors:
Fair liquidity 3.3, driven by a liquidity ratio of 50.7 percent and a “hot money” ratio of 11.9 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.9 on a scale of 0 to 10).
Asset Mix:
Securities (60%), comm re (11%), cash (10%), home mtgs (4%), consumer loans (4%), comm loans (4%), other (7%)
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
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