Major Rating Factors:
Excellent current capitalization (8.7 on a scale of 0 to 10) based on a risk-based capital ratio of 13.8 and a capital leverage ratio of 10.7. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.5 on a scale of 0 to 10).
Other Rating Factors:
A current level of 3.0 percent of nonperforming loans to core capital combined with 5.7 percent from a year earlier contributes to the Good asset quality (6.0). Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.8 has resulted in Fair (4.4) profitability.
Asset Mix:
Comm re (37%), securities (18%), comm loans (18%), cash (7%), home mtgs (4%), home eq lns (1%), consumer loans (0%), other (15%)
States with Branches:
CO, NM
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
InBankshares, Corp
Investment Rating
--
Address
200 South Second Street
Raton, NM 87740
Raton, NM 87740
Phone Number
(575) 445-2321
Year Founded
1918
FDIC Number
Website
Largest Affiliates
No affiliate information available.