Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 24.0 and a capital leverage ratio of 11.2. A current level of 0.0 percent of nonperforming loans to core capital combined with 0.1 percent from a year earlier contributes to the Excellent asset quality (9.2).
Other Rating Factors:
Good liquidity 5.4, driven by a liquidity ratio of 57.1 percent and a “hot money” ratio of 0.7 percent. Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.3 has resulted in Good (5.1) profitability.
Asset Mix:
Securities (58%), comm loans (8%), comm re (4%), home mtgs (2%), cash (2%), consumer loans (1%), other (24%)
States with Branches:
KS
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
FSB Bankshares, Inc.
Investment Rating
--
Address
401 South Main Street
Fowler, KS 67844
Fowler, KS 67844
Phone Number
(620) 646-5253
Year Founded
1906
FDIC Number
Website
Largest Affiliates
No affiliate information available.