Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 12.3. A current level of 4.3 percent of nonperforming loans to core capital combined with 5.8 percent from a year earlier contributes to the Excellent asset quality (7.3).
Other 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 (4.9 on a scale of 0 to 10). Fair liquidity 4.6, driven by a liquidity ratio of 44.8 percent and a “hot money” ratio of 16.4 percent.
Asset Mix:
Securities (38%), cash (17%), comm loans (7%), consumer loans (3%), comm re (3%), home mtgs (3%), other (29%)
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
The Adino Company
Investment Rating
--
Address
201 South Main Street
Onida, SD 57564
Onida, SD 57564
Phone Number
(605) 258-2641
Year Founded
1925
FDIC Number
Website
Largest Affiliates
No affiliate information available.