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 (5.0 on a scale of 0 to 10). Good current capitalization (6.5 on a scale of 0 to 10) based on a risk-based capital ratio of 12.4 and a capital leverage ratio of 8.5.
Other Rating Factors:
A current level of 0.2 percent of nonperforming loans to core capital combined with 6.3 percent from a year earlier contributes to the Good asset quality (6.9). Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 1.7 has resulted in Good (6.9) profitability.
Asset Mix:
Home mtgs (22%), cash (16%), comm loans (8%), comm re (5%), securities (5%), consumer loans (1%), other (42%)
States with Branches:
MO
Corporate Info
River Valley Bancshares, Incorporated
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102 West Main Street
Lewistown, MO 63452
Lewistown, MO 63452
(573) 215-2283
1928
Largest Affiliates
No affiliate information available.