Major Rating Factors:
Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.7 has resulted in Fair (3.1) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.2 on a scale of 0 to 10).
Other Rating Factors:
A current level of 0.0 percent of nonperforming loans to core capital combined with 0.5 percent from a year earlier contributes to the Excellent asset quality (8.0). Excellent current capitalization (7.4 on a scale of 0 to 10) and a capital leverage ratio of 10.8.
Asset Mix:
Securities (40%), comm re (16%), comm loans (6%), home mtgs (5%), cash (2%), consumer loans (0%), other (31%)
States with Branches:
NE
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
Hometown Banc Corp
Investment Rating
--
Address
2815 Osborne Drive West
Hastings, NE 68901
Hastings, NE 68901
Phone Number
(402) 462-2228
Year Founded
1893
FDIC Number
Website
Largest Affiliates
Grand Island, NE
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Bank