Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 35.2 and a capital leverage ratio of 12.0. A current level of 0.1 percent of nonperforming loans to core capital combined with 10.9 percent from a year earlier contributes to the Excellent asset quality (9.2).
Other Rating Factors:
Good liquidity 5.1, driven by a liquidity ratio of 50.8 percent and a “hot money” ratio of 4.9 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.9 on a scale of 0 to 10).
Asset Mix:
Securities (35%), cash (21%), comm re (20%), comm loans (5%), home mtgs (1%), consumer loans (1%), other (17%)
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