Major Rating Factors:
A current level of 12.9 percent of nonperforming loans to core capital combined with 3.9 percent from a year earlier contributes to the Fair asset quality (4.2). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.1 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (7.7 on a scale of 0 to 10) based on a risk-based capital ratio of 15.2 and a capital leverage ratio of 9.5. Operating profits as a percentage of assets at 1.8%, coupled with a return on assets of 1.3 has resulted in Good (6.3) profitability.
Asset Mix:
Comm re (23%), home mtgs (21%), cash (15%), comm loans (12%), securities (8%), home eq lns (3%), consumer loans (1%), other (17%)
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
Ascent Bancorp
Investment Rating
--
Address
1721 11th Avenue
Helena, MT 59601
Helena, MT 59601
Phone Number
(406) 442-8870
Year Founded
1970
FDIC Number
Website
Largest Affiliates
No affiliate information available.