Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 18.3 and a capital leverage ratio of 12.6. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.4 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 0.8 has resulted in Fair (4.1) profitability. Fair liquidity 3.1, driven by a liquidity ratio of 35.3 percent and a “hot money” ratio of 15.5 percent.
Asset Mix:
Cash (14%), comm loans (13%), comm re (9%), securities (6%), consumer loans (4%), home mtgs (1%), home eq lns (1%), other (52%)
States with Branches:
MN
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
Trimont Bancorporation
Investment Rating
--
Address
519 East Main Street
Trimont, MN 56176
Trimont, MN 56176
Phone Number
(507) 639-2981
Year Founded
1901
FDIC Number
Website
Largest Affiliates
No affiliate information available.