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 (3.7 on a scale of 0 to 10). A current level of 1.3 percent of nonperforming loans to core capital combined with 3.8 percent from a year earlier contributes to the Excellent asset quality (7.6).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 15.4. Operating profits as a percentage of assets at 2.9%, coupled with a return on assets of 2.2 has resulted in Excellent (10.0) profitability.
Asset Mix:
Home mtgs (34%), cash (10%), comm re (7%), securities (4%), comm loans (4%), consumer loans (2%), other (39%)
States with Branches:
MT
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
Investment Rating
--
Address
111 Castner Street
Belt, MT 59412
Belt, MT 59412
Phone Number
(406) 277-3314
Year Founded
1936
FDIC Number
Website
Largest Affiliates
No affiliate information available.