How profitable a bank is has an effect on its long-term survivability. A bank can retain its earnings, increasing its capital buffer, or put them to work addressing problematic loans, likely making the bank better prepared to withstand financial shocks. Conversely, losses take away from a bank's ability to do those things.
Old Plank Trail Community Bank, National Association scored 14 out of a possible 30 on Bankrate's earnings test, below the national average of 16.52.
One key way to measure a bank's earnings is return on equity, or net income (profit, basically) divided by total equity. The most recent annualized quarterly return on equity for Old Plank Trail Community Bank, National Association was 6.76 percent, below the national average of 9.28 percent.
For the twelve months ended June 30, 2017, the bank recorded net income of $4.7 million on total equity of $145.6 million. The bank had an annualized return on average assets, or ROA, of 0.69 percent, below the 1 percent deemed satisfactory in accordance with industry standards and below the average for U.S. banks of 1.14 percent.