C
United State Bank
Rating Date
March 2024
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Loading...
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
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
Liquidity
Liquidity Ratio
Hot Money
Corporate Info
Group Affiliation
River Valley Bancshares, Incorporated
Investment Rating
--
Address
102 West Main Street
Lewistown, MO 63452
Phone Number
(573) 215-2283
Year Founded
1928
FDIC Number
Largest Affiliates
No affiliate information available.
Weiss Ratings