Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 14.4. 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:
A current level of 10.0 percent of nonperforming loans to core capital combined with 18.1 percent from a year earlier contributes to the Good asset quality (5.9). Fair liquidity 5.0, driven by a liquidity ratio of 52.5 percent and a “hot money” ratio of 22.1 percent.
Asset Mix:
Securities (55%), cash (8%), comm loans (4%), comm re (3%), consumer loans (2%), other (29%)
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
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