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 (5.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.5 has resulted in Good (6.6) profitability.
Other Rating Factors:
A current level of 1.6 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.1). Excellent current capitalization (7.9 on a scale of 0 to 10) based on a risk-based capital ratio of 15.1 and a capital leverage ratio of 9.6.
Asset Mix:
Home mtgs (28%), securities (17%), comm loans (12%), comm re (7%), cash (4%), consumer loans (4%), other (28%)
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.