Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.4 on a scale of 0 to 10). Excellent current capitalization (7.5 on a scale of 0 to 10) and a capital leverage ratio of 9.4.
Other Rating Factors:
A current level of 6.2 percent of nonperforming loans to core capital combined with 7.1 percent from a year earlier contributes to the Good asset quality (5.9). Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 0.9 has resulted in Fair (3.9) profitability.
Asset Mix:
Home mtgs (17%), securities (11%), comm re (10%), comm loans (5%), cash (2%), consumer loans (1%), other (54%)
States with Branches:
IA, MO
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
Bethany Bankshares, Inc.
Investment Rating
--
Address
3606 Miller Street
Bethany, MO 64424
Bethany, MO 64424
Phone Number
(660) 425-7285
Year Founded
1919
FDIC Number
Website
Largest Affiliates
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