Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 15.8. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.6 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 1.8%, coupled with a return on assets of 1.3 has resulted in Excellent (7.2) profitability. Fair liquidity 4.5, driven by a liquidity ratio of 53.0 percent and a “hot money” ratio of 24.3 percent.
Asset Mix:
Cash (15%), securities (12%), comm re (5%), comm loans (5%), home mtgs (2%), consumer loans (2%), other (60%)
States with Branches:
MT
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
Garfield County Bancshares, Inc.
Investment Rating
--
Address
444 Main Street
Jordan, MT 59337
Jordan, MT 59337
Phone Number
(406) 557-2201
Year Founded
1960
FDIC Number
Largest Affiliates
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