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 5.2 percent of nonperforming loans to core capital combined with 12.3 percent from a year earlier contributes to the Excellent asset quality (7.2).
Other Rating Factors:
Good liquidity 5.0, driven by a liquidity ratio of 40.5 percent and a “hot money” ratio of 12.5 percent. Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.3 has resulted in Fair (5.0) profitability.
Asset Mix:
Securities (56%), home mtgs (6%), consumer loans (2%), comm re (1%), cash (1%), comm loans (1%), other (33%)
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
Investment Rating
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Address
107 South Commercial Street
Mankato, KS 66956
Mankato, KS 66956
Phone Number
(785) 378-3222
Year Founded
1887
FDIC Number
Website
Largest Affiliates
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