Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 27.6 and a capital leverage ratio of 11.5. A current level of 2.6 percent of nonperforming loans to core capital combined with 5.4 percent from a year earlier contributes to the Excellent asset quality (7.6).
Other Rating Factors:
Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.6 has resulted in Weak (3.0) profitability. Weak liquidity 2.5, driven by a liquidity ratio of 50.5 percent and a “hot money” ratio of 13.2 percent.
Asset Mix:
Securities (61%), comm re (12%), cash (10%), comm loans (4%), home mtgs (4%), consumer loans (3%), other (6%)
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.