MinnStar Bank National Association
Major Rating Factors:
Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 0.9 has resulted in Fair (4.8) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (9.9 on a scale of 0 to 10) based on a risk-based capital ratio of 16.0 and a capital leverage ratio of 10.9. A current level of 5.5 percent of nonperforming loans to core capital combined with 8.3 percent from a year earlier contributes to the Good asset quality (6.1).
Asset Mix:
Comm re (30%), home mtgs (18%), cash (9%), comm loans (8%), securities (5%), home eq lns (2%), consumer loans (0%), other (27%)
States with Branches:
MN
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
Lake Crystal Bancorporation, Inc.
Investment Rating
--
Address
202 North Main Street
Lake Crystal, MN 56055
Lake Crystal, MN 56055
Phone Number
(507) 726-2137
Year Founded
1934
FDIC Number
Website
Largest Affiliates
No affiliate information available.