Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (5.0 on a scale of 0 to 10). A current level of 2.7 percent of nonperforming loans to core capital combined with 6.1 percent from a year earlier contributes to the Good asset quality (6.0).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 17.4 and a capital leverage ratio of 11.9. Operating profits as a percentage of assets at 2.3%, coupled with a return on assets of 1.9 has resulted in Excellent (9.8) profitability.
Asset Mix:
Comm re (56%), cash (25%), securities (7%), comm loans (5%), home mtgs (2%), consumer loans (1%), other (4%)
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
PSB Financial Shares, Inc.
Investment Rating
--
Address
508 Third Street
Prinsburg, MN 56281
Prinsburg, MN 56281
Phone Number
(320) 978-6351
Year Founded
1916
FDIC Number
Website
Largest Affiliates
No affiliate information available.