Major Rating Factors:
A current level of 0.5 percent of nonperforming loans to core capital combined with 0.4 percent from a year earlier contributes to the Excellent asset quality (8.6). Excellent current capitalization (7.1 on a scale of 0 to 10) based on a risk-based capital ratio of 14.4 and a capital leverage ratio of 9.1.
Other Rating Factors:
Operating profits as a percentage of assets at 1.8%, coupled with a return on assets of 1.8 has resulted in Excellent (7.1) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (7.0 on a scale of 0 to 10).
Asset Mix:
Securities (31%), comm re (11%), comm loans (7%), cash (5%), home mtgs (5%), consumer loans (1%), other (40%)
States with Branches:
ND, 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
Dakota Community Banshares, Inc.
Investment Rating
--
Address
609 Main Street
Hebron, ND 58638
Hebron, ND 58638
Phone Number
(701) 878-4416
Year Founded
1940
FDIC Number
Largest Affiliates
There are no affiliate to display.