Major Rating Factors:
Good current capitalization (6.9 on a scale of 0 to 10) based on a risk-based capital ratio of 14.2 and a capital leverage ratio of 8.9. Operating profits as a percentage of assets at 1.8%, coupled with a return on assets of 1.7 has resulted in Good (6.5) profitability.
Other Rating Factors:
A current level of 7.4 percent of nonperforming loans to core capital combined with 2.4 percent from a year earlier contributes to the Good asset quality (5.8). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.0 on a scale of 0 to 10).
Asset Mix:
Home mtgs (25%), securities (23%), comm re (13%), comm loans (9%), cash (5%), consumer loans (3%), home eq lns (1%), other (22%)
States with Branches:
MN, WI
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
WRZ Bankshares, Inc.
Investment Rating
--
Address
100 Fourth Avenue, SE
Plainview, MN 55964
Plainview, MN 55964
Phone Number
(507) 534-3137
Year Founded
1925
FDIC Number
Website
Largest Affiliates
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