Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 13.7. A current level of 1.2 percent of nonperforming loans to core capital combined with 3.1 percent from a year earlier contributes to the Excellent asset quality (8.6).
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 (6.4 on a scale of 0 to 10). Weak liquidity 2.6, driven by a liquidity ratio of 29.7 percent and a “hot money” ratio of 28.1 percent.
Asset Mix:
Home mtgs (22%), securities (20%), comm loans (12%), comm re (10%), cash (6%), consumer loans (2%), other (27%)
States with Branches:
IA
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
FSB Bancorp
Investment Rating
--
Address
3542 168th Street
Wever, IA 52658
Wever, IA 52658
Phone Number
(319) 372-5141
Year Founded
1908
FDIC Number
Website
Largest Affiliates
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