Produce State Bank
Major Rating Factors:
Excellent current capitalization (8.7 on a scale of 0 to 10) based on a risk-based capital ratio of 22.0 and a capital leverage ratio of 10.1. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.2 on a scale of 0 to 10).
Other Rating Factors:
A current level of 6.7 percent of nonperforming loans to core capital combined with 4.7 percent from a year earlier contributes to the Fair asset quality (5.0). Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.4 has resulted in Fair (4.6) profitability.
Asset Mix:
Securities (41%), home mtgs (11%), comm loans (8%), comm re (8%), cash (5%), consumer loans (4%), other (23%)
States with Branches:
MN
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
Investment Rating
--
Address
109 Park Avenue, West
Hollandale, MN 56045
Hollandale, MN 56045
Phone Number
(507) 889-4311
Year Founded
1926
FDIC Number
Website
Largest Affiliates
No affiliate information available.