Major Rating Factors:
A current level of 0.2 percent of nonperforming loans to core capital combined with 0.8 percent from a year earlier contributes to the Excellent asset quality (8.5). Excellent current capitalization (7.1 on a scale of 0 to 10) based on a risk-based capital ratio of 30.4 and a capital leverage ratio of 9.1.
Other Rating Factors:
Good liquidity 5.6, driven by a liquidity ratio of 64.8 percent and a “hot money” ratio of 0.7 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.8 on a scale of 0 to 10).
Asset Mix:
Cash (46%), home mtgs (18%), securities (15%), comm loans (7%), home eq lns (2%), consumer loans (1%), comm re (1%), other (10%)
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
Concordia, MO
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Bank
Chillicothe, MO
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Bank