Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (3.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.1 has resulted in Fair (4.5) profitability.
Other Rating Factors:
Fair liquidity 3.7, driven by a liquidity ratio of 46.9 percent and a “hot money” ratio of 11.4 percent. Good current capitalization (6.6 on a scale of 0 to 10) based on a risk-based capital ratio of 17.0 and a capital leverage ratio of 8.6.
Asset Mix:
Cash (38%), home mtgs (22%), consumer loans (7%), securities (7%), comm loans (3%), comm re (2%), other (21%)
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
No affiliate information available.