Commercial Bank & Trust Company
Major Rating Factors:
Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.7 has resulted in Fair (3.7) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.1 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (9.9 on a scale of 0 to 10) and a capital leverage ratio of 10.9. A current level of 25.8 percent of nonperforming loans to core capital combined with 13.9 percent from a year earlier contributes to the Weak asset quality (2.3).
Asset Mix:
Securities (27%), comm loans (17%), comm re (15%), home mtgs (14%), consumer loans (8%), cash (2%), other (17%)
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
Drew Bancshares, Inc.
Investment Rating
--
Address
212 West Gaines Street
Monticello, AR 71655
Monticello, AR 71655
Phone Number
(870) 367-6221
Year Founded
1912
FDIC Number
Website
Largest Affiliates
No affiliate information available.