Major Rating Factors:
A current level of 15.6 percent of nonperforming loans to core capital combined with 14.4 percent from a year earlier contributes to the Fair asset quality (3.6). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.2 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (7.1 on a scale of 0 to 10) and a capital leverage ratio of 9.1. Operating profits as a percentage of assets at 2.0%, coupled with a return on assets of 1.9 has resulted in Excellent (7.0) profitability.
Asset Mix:
Comm re (24%), home mtgs (18%), securities (11%), comm loans (9%), cash (2%), consumer loans (2%), other (35%)
States with Branches:
MN, ND
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
Cyrus Bancshares, Inc.
Investment Rating
--
Address
100 East Main Street
Cyrus, MN 56323
Cyrus, MN 56323
Phone Number
(320) 795-2562
Year Founded
1901
FDIC Number
Website
Largest Affiliates
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