Kensington Bank
Major Rating Factors:
A current level of 12.2 percent of nonperforming loans to core capital combined with 16.3 percent from a year earlier contributes to the Fair asset quality (3.7). Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.0 has resulted in Good (5.0) profitability.
Other Rating Factors:
Good current capitalization (6.9 on a scale of 0 to 10) based on a risk-based capital ratio of 11.4 and a capital leverage ratio of 8.9. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.3 on a scale of 0 to 10).
Asset Mix:
Home mtgs (15%), comm re (14%), securities (14%), comm loans (10%), home eq lns (7%), cash (3%), consumer loans (1%), other (36%)
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
Kensington Bancorp., Inc.
Investment Rating
--
Address
11 North Central Avenue
Kensington, MN 56343
Kensington, MN 56343
Phone Number
(320) 270-2805
Year Founded
1898
FDIC Number
Website
Largest Affiliates
No affiliate information available.