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 (4.0) profitability. A current level of 14.9 percent of nonperforming loans to core capital combined with 14.4 percent from a year earlier contributes to the Fair asset quality (3.4).
Other Rating Factors:
Excellent current capitalization (9.9 on a scale of 0 to 10) and a capital leverage ratio of 10.9. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.4 on a scale of 0 to 10).
Asset Mix:
Securities (29%), comm loans (17%), comm re (16%), home mtgs (14%), consumer loans (7%), cash (2%), other (14%)
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.