The State Bank
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 11.7. A current level of 0.0 percent of nonperforming loans to core capital combined with 0.0 percent from a year earlier contributes to the Excellent asset quality (9.2).
Other 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 (4.8 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.1 has resulted in Fair (4.5) profitability.
Asset Mix:
Securities (39%), home mtgs (19%), cash (11%), comm re (9%), comm loans (6%), consumer loans (3%), home eq lns (1%), other (14%)
States with Branches:
IA
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
State Banco, Ltd.
Investment Rating
--
Address
1902 Hill Avenue
Spirit Lake, IA 51360
Spirit Lake, IA 51360
Phone Number
(712) 336-2455
Year Founded
1928
FDIC Number
Largest Affiliates
There are no affiliate to display.