Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.3 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.8 has resulted in Fair (4.2) profitability.
Other Rating Factors:
Fair liquidity 3.7, driven by a liquidity ratio of 29.9 percent and a “hot money” ratio of 6.0 percent. Good current capitalization (6.4 on a scale of 0 to 10) based on a risk-based capital ratio of 14.3 and a capital leverage ratio of 8.4.
Asset Mix:
Securities (25%), comm loans (8%), home mtgs (7%), cash (3%), consumer loans (2%), comm re (1%), other (54%)
States with Branches:
ND
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
Dakotah Bankshares, Inc.
Investment Rating
--
Address
201 Main Avenue
Fairmount, ND 58030
Fairmount, ND 58030
Phone Number
(701) 474-5515
Year Founded
1895
FDIC Number
Website
Largest Affiliates
No affiliate information available.