Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 15.7. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.2 on a scale of 0 to 10).
Other Rating Factors:
A current level of 7.5 percent of nonperforming loans to core capital combined with 3.1 percent from a year earlier contributes to the Good asset quality (5.7). Fair liquidity 4.7, driven by a liquidity ratio of 50.8 percent and a “hot money” ratio of 26.5 percent.
Asset Mix:
Securities (51%), cash (9%), comm loans (4%), consumer loans (2%), comm re (2%), other (33%)
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.