Produce State Bank
Major Rating Factors:
Excellent current capitalization (8.6 on a scale of 0 to 10) based on a risk-based capital ratio of 21.1 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 (7.6 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.4 has resulted in Good (5.1) profitability. A current level of 7.7 percent of nonperforming loans to core capital combined with 5.4 percent from a year earlier contributes to the Fair asset quality (4.9).
Asset Mix:
Securities (37%), home mtgs (11%), comm re (8%), comm loans (8%), cash (6%), consumer loans (3%), other (26%)
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.