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 (7.5 on a scale of 0 to 10). Good current capitalization (6.9 on a scale of 0 to 10) based on a risk-based capital ratio of 11.8 and a capital leverage ratio of 8.9.
Other Rating Factors:
A current level of 6.4 percent of nonperforming loans to core capital combined with 2.9 percent from a year earlier contributes to the Good asset quality (6.7). Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.1 has resulted in Good (5.1) profitability.
Asset Mix:
Securities (20%), home mtgs (16%), comm re (15%), comm loans (6%), cash (5%), consumer loans (2%), home eq lns (1%), other (35%)
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
PBT Bancshares, Inc.
Investment Rating
--
Address
101 South Main Street
McPherson, KS 67460
McPherson, KS 67460
Phone Number
(620) 241-2100
Year Founded
1898
FDIC Number
Website
Largest Affiliates
No affiliate information available.