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 (5.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.1 has resulted in Good (6.0) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 14.4 and a capital leverage ratio of 11.4. A current level of 7.9 percent of nonperforming loans to core capital combined with 5.5 percent from a year earlier contributes to the Good asset quality (6.1).
Asset Mix:
Securities (23%), comm re (21%), home mtgs (19%), comm loans (6%), cash (2%), home eq lns (2%), consumer loans (2%), other (26%)
States with Branches:
AR, MO
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
Harrell Bancshares, Inc.
Investment Rating
--
Address
3710 Southern Hills Boulevard
Rogers, AR 72758
Rogers, AR 72758
Phone Number
(479) 986-3990
Year Founded
1907
FDIC Number
Website
Largest Affiliates
No affiliate information available.