Major Rating Factors:
Operating profits as a percentage of assets at 2.4%, coupled with a return on assets of 1.8 has resulted in Excellent (10.0) profitability. Excellent current capitalization (9.4 on a scale of 0 to 10) and a capital leverage ratio of 10.6.
Other Rating Factors:
A current level of 2.2 percent of nonperforming loans to core capital combined with 3.5 percent from a year earlier contributes to the Excellent asset quality (7.3). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10).
Asset Mix:
Securities (23%), comm re (12%), comm loans (8%), cash (6%), home mtgs (3%), consumer loans (0%), other (47%)
States with Branches:
ID, OR, WA
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
BEO Bancorp
Investment Rating
Address
250 NW Gale
Heppner, OR 97836
Heppner, OR 97836
Phone Number
(541) 676-0201
Year Founded
1945
FDIC Number
Website
Largest Affiliates
No affiliate information available.