Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 11.9. A current level of 0.2 percent of nonperforming loans to core capital combined with 2.5 percent from a year earlier contributes to the Excellent asset quality (8.6).
Other Rating Factors:
Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.2 has resulted in Good (5.5) profitability. Fair liquidity 4.9, driven by a liquidity ratio of 43.2 percent and a “hot money” ratio of 11.8 percent.
Asset Mix:
Securities (47%), comm loans (6%), consumer loans (5%), cash (5%), home mtgs (2%), comm re (1%), other (35%)
States with Branches:
SD
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
Scotland Holding Company
Investment Rating
--
Address
550 Main Street
Scotland, SD 57059
Scotland, SD 57059
Phone Number
(605) 583-2234
Year Founded
1920
FDIC Number
Website
Largest Affiliates
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