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 (4.6 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 12.6. A current level of 0.0 percent of nonperforming loans to core capital combined with 1.0 percent from a year earlier contributes to the Excellent asset quality (8.5).
Asset Mix:
Cash (27%), home mtgs (22%), home eq lns (11%), comm loans (10%), securities (7%), comm re (6%), consumer loans (1%), other (16%)
States with Branches:
MO
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
State Holding Inc.
Investment Rating
--
Address
803 Wollard Boulevard
Richmond, MO 64085
Richmond, MO 64085
Phone Number
(816) 776-7070
Year Founded
1940
FDIC Number
Website
Largest Affiliates
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