Major Rating Factors:
Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.9 has resulted in Weak (2.9) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.6 on a scale of 0 to 10).
Other Rating Factors:
Weak liquidity 2.6, driven by a liquidity ratio of 28.1 percent and a “hot money” ratio of 12.5 percent. Good current capitalization (5.9 on a scale of 0 to 10) based on a risk-based capital ratio of 15.9 and a capital leverage ratio of 7.9.
Asset Mix:
Home mtgs (31%), cash (25%), consumer loans (9%), comm loans (4%), securities (3%), comm re (2%), other (27%)
States with Branches:
NE
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
Steinauer Bancorp
Investment Rating
--
Address
215 Main Street
Steinauer, NE 68441
Steinauer, NE 68441
Phone Number
(402) 869-2211
Year Founded
1888
FDIC Number
Website
Largest Affiliates
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