Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 on a scale of 0 to 10). A current level of 6.6 percent of nonperforming loans to core capital combined with 2.7 percent from a year earlier contributes to the Good asset quality (5.4).
Other Rating Factors:
Excellent current capitalization (7.2 on a scale of 0 to 10) based on a risk-based capital ratio of 14.2 and a capital leverage ratio of 9.2. Operating profits as a percentage of assets at 1.8%, coupled with a return on assets of 1.4 has resulted in Good (5.8) profitability.
Asset Mix:
Home mtgs (23%), comm re (22%), comm loans (12%), securities (10%), cash (9%), home eq lns (3%), consumer loans (2%), other (19%)
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.