Major 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 (4.4 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.1 has resulted in Fair (3.5) profitability.
Other Rating Factors:
Excellent current capitalization (8.9 on a scale of 0 to 10) and a capital leverage ratio of 10.3. A current level of 2.3 percent of nonperforming loans to core capital combined with 5.3 percent from a year earlier contributes to the Good asset quality (6.7).
Asset Mix:
Comm re (34%), home mtgs (30%), cash (6%), comm loans (5%), securities (2%), home eq lns (1%), consumer loans (1%), other (21%)
States with Branches:
KS, MO
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
Bison Bancshares, Inc.
Investment Rating
--
Address
223 Main Street
Bison, KS 67520
Bison, KS 67520
Phone Number
(785) 356-2195
Year Founded
1901
FDIC Number
Website
Largest Affiliates
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