Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 28.5 and a capital leverage ratio of 12.8. Operating profits as a percentage of assets at 2.3%, coupled with a return on assets of 2.3 has resulted in Excellent (8.0) profitability.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.8 on a scale of 0 to 10). Good liquidity 5.4, driven by a liquidity ratio of 46.4 percent and a “hot money” ratio of 3.5 percent.
Asset Mix:
Securities (52%), comm loans (10%), cash (9%), consumer loans (4%), home mtgs (2%), comm re (1%), other (23%)
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
Central Montana Bancorporation
Investment Rating
--
Address
401 Main Street
Roundup, MT 59072
Roundup, MT 59072
Phone Number
(406) 323-1100
Year Founded
1971
FDIC Number
Largest Affiliates
No affiliate information available.