Fordyce Bank & Trust Co.

Fordyce Bank & Trust Co. is headquartered in Fordyce and is the 85^th largest bank in the state of Arkansas. It is also the 4,325^th largest bank in the nation. It was established in 1931 and as of March of 2012, it had grown to 41 employees at 5 locations. Fordyce Bank & Trust Co. has a 5-star health rating.

Data for Q1 2012

Institution Statistics Fordyce Bank & Trust Co. FDIC Certificate # 1028 BankRate Report View Year Established 1931 Employees 41 Primary Regulator FED Assets and Liabilities Assets $126.84 million Loans $54.50 million Deposits $98.22 million Equity Capital $13.96 million Loan Loss Allowance $1.54 million Unbacked Noncurrent Loans $677,000 Real Estate Owned $80,000 Historic Data - March 2011 Assets $119.67 million Equity Capital $12.19 million Loan Loss Allowance $1.52 million Unbacked Noncurrent Loans $326,000 Real Estate Owned $144,000 Profit Margin - Quarterly Net Interest Margin 4.02% Return on Assets 1.39% Return on Equity 12.53% Interest Income $1.41 million

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Fordyce Bank & Trust Co. had $757,000 in non-current loans and owned real-estate with $15.49 million in equity and loan loss allowances on hand to cover it. This gives Fordyce Bank & Trust Co. a Texas Ratio of 4.89% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Fordyce Bank & Trust Co. held steady from 3.43% as of March 31, 2011 to 4.89% as of March 31, 2012, resulting in a negative change of 42.53%. This indicates that the balance sheet and financial strength for Fordyce Bank & Trust Co. has held steady in recent periods. Deposit Growth In the past year, Fordyce Bank & Trust Co. has increased its total deposits by $3.27 million, resulting in 3.45% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Fordyce Bank & Trust Co. has shown is above average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Fordyce Bank & Trust Co. has $126.84 million in assets with $15.49 million in equity, resulting in a capitalization level of 12.21%, which is excellent.

No reviews have been left for this bank yet. Be the first to review.