Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 14.9. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.4 on a scale of 0 to 10).
Other Rating Factors:
Good liquidity 5.5, driven by a liquidity ratio of 65.3 percent and a “hot money” ratio of 23.2 percent. A current level of 10.8 percent of nonperforming loans to core capital combined with 18.5 percent from a year earlier contributes to the Good asset quality (5.5).
Asset Mix:
Securities (49%), cash (21%), comm loans (3%), comm re (2%), consumer loans (2%), other (24%)
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
FS Banco, Inc.
Investment Rating
--
Address
One South First Street, East
Malta, MT 59538
Malta, MT 59538
Phone Number
(406) 654-2340
Year Founded
1903
FDIC Number
Website
Largest Affiliates
No affiliate information available.