Pioneer Bank & Trust
Major Rating Factors:
Excellent current capitalization (9.9 on a scale of 0 to 10) based on a risk-based capital ratio of 17.9 and a capital leverage ratio of 10.9. A current level of 0.2 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.8).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.2 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 1.4 has resulted in Good (6.5) profitability.
Asset Mix:
Securities (35%), comm re (15%), comm loans (10%), cash (8%), home mtgs (6%), home eq lns (2%), consumer loans (1%), other (23%)
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
Belle Fourche Bancshares, Inc.
Investment Rating
--
Address
700 State Street
Belle Fourche, SD 57717
Belle Fourche, SD 57717
Phone Number
(605) 717-2265
Year Founded
1937
FDIC Number
Largest Affiliates
No affiliate information available.