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 (4.9 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.8%, coupled with a return on assets of 1.7 has resulted in Excellent (7.2) profitability.
Other Rating Factors:
A current level of 2.0 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.9). Excellent current capitalization (7.7 on a scale of 0 to 10) based on a risk-based capital ratio of 15.4 and a capital leverage ratio of 9.5.
Asset Mix:
Home mtgs (28%), securities (17%), comm loans (13%), comm re (6%), cash (6%), consumer loans (4%), other (25%)
States with Branches:
KS
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
Union State Bancshares, Inc.
Investment Rating
--
Address
204 Sherman Street
Uniontown, KS 66779
Uniontown, KS 66779
Phone Number
(620) 756-4305
Year Founded
1901
FDIC Number
Largest Affiliates
No affiliate information available.