Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 12.1. A current level of 1.3 percent of nonperforming loans to core capital combined with 1.9 percent from a year earlier contributes to the Excellent asset quality (9.2).
Other Rating Factors:
Fair liquidity 4.9, driven by a liquidity ratio of 35.2 percent and a “hot money” ratio of 11.8 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.6 on a scale of 0 to 10).
Asset Mix:
Securities (50%), home mtgs (6%), cash (4%), consumer loans (2%), comm re (2%), comm loans (1%), other (34%)
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
--
Address
107 South Commercial Street
Mankato, KS 66956
Mankato, KS 66956
Phone Number
(785) 378-3222
Year Founded
1887
FDIC Number
Website
Largest Affiliates
No affiliate information available.