Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.4 on a scale of 0 to 10). A current level of 15.8 percent of nonperforming loans to core capital combined with 8.5 percent from a year earlier contributes to the Fair asset quality (3.9).
Other Rating Factors:
Excellent current capitalization (8.2 on a scale of 0 to 10) and a capital leverage ratio of 9.8. Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 1.3 has resulted in Good (6.8) profitability.
Asset Mix:
Home mtgs (38%), comm re (13%), cash (6%), securities (4%), comm loans (3%), consumer loans (2%), other (34%)
States with Branches:
MN
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
Randall Bancorp, Inc.
Investment Rating
--
Address
307 Pacific Avenue
Randall, MN 56475
Randall, MN 56475
Phone Number
(320) 749-2265
Year Founded
1908
FDIC Number
Website
Largest Affiliates
No affiliate information available.