Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 25.3 and a capital leverage ratio of 17.4. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.1 on a scale of 0 to 10).
Other Rating Factors:
A current level of 3.4 percent of nonperforming loans to core capital combined with 9.4 percent from a year earlier contributes to the Good asset quality (6.6). Weak liquidity 2.9, driven by a liquidity ratio of 25.5 percent and a “hot money” ratio of 21.6 percent.
Asset Mix:
Securities (31%), comm loans (11%), home mtgs (9%), comm re (4%), consumer loans (3%), cash (2%), other (40%)
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
FSB Holding Company, Inc.
Investment Rating
--
Address
220 Main Street, West
Trimont, MN 56176
Trimont, MN 56176
Phone Number
(507) 639-9921
Year Founded
1912
FDIC Number
Website
Largest Affiliates
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