Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 34.8 and a capital leverage ratio of 12.2. A current level of 0.0 percent of nonperforming loans to core capital combined with 0.1 percent from a year earlier contributes to the Excellent asset quality (9.1).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.3 on a scale of 0 to 10). Fair liquidity 4.8, driven by a liquidity ratio of 45.3 percent and a “hot money” ratio of 4.0 percent.
Asset Mix:
Securities (34%), comm re (23%), cash (17%), comm loans (6%), home mtgs (1%), consumer loans (1%), other (18%)
States with Branches:
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
Beulah Bancorporation, Inc.
Investment Rating
--
Address
100 East Main Street
Beulah, ND 58523
Beulah, ND 58523
Phone Number
(701) 873-4301
Year Founded
1915
FDIC Number
Largest Affiliates
Mapleton, IA
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Bank