The Baldwin State Bank
Major Rating Factors:
A current level of 0.1 percent of nonperforming loans to core capital combined with 0.4 percent from a year earlier contributes to the Excellent asset quality (9.7). Excellent current capitalization (8.7 on a scale of 0 to 10) and a capital leverage ratio of 10.1.
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 (6.0 on a scale of 0 to 10). Fair liquidity 4.9, driven by a liquidity ratio of 52.6 percent and a “hot money” ratio of 15.7 percent.
Asset Mix:
Securities (44%), home mtgs (27%), cash (12%), comm re (6%), comm loans (5%), consumer loans (1%), other (6%)
States with Branches:
KS
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
Baldwin Bancshares, Inc.
Investment Rating
--
Address
721 High Street
Baldwin City, KS 66006
Baldwin City, KS 66006
Phone Number
(785) 594-6421
Year Founded
1892
FDIC Number
Largest Affiliates
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