Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.1 on a scale of 0 to 10). Excellent current capitalization (7.4 on a scale of 0 to 10) based on a risk-based capital ratio of 11.7 and a capital leverage ratio of 9.2.
Other Rating Factors:
A current level of 5.6 percent of nonperforming loans to core capital combined with 4.7 percent from a year earlier contributes to the Good asset quality (5.9). Weak liquidity 2.8, driven by a liquidity ratio of 10.5 percent and a “hot money” ratio of 15.5 percent.
Asset Mix:
Comm re (30%), home mtgs (16%), comm loans (10%), securities (8%), cash (7%), home eq lns (2%), consumer loans (0%), other (26%)
States with Branches:
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
Sword Financial Corporation
Investment Rating
--
Address
326 East Lake Street
Horicon, WI 53032
Horicon, WI 53032
Phone Number
(920) 485-3040
Year Founded
1896
FDIC Number
Website
Largest Affiliates
No affiliate information available.