Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 27.3 and a capital leverage ratio of 13.4. Operating profits as a percentage of assets at 2.4%, coupled with a return on assets of 2.4 has resulted in Excellent (9.2) 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 (8.2 on a scale of 0 to 10). Good liquidity 5.4, driven by a liquidity ratio of 52.1 percent and a “hot money” ratio of 4.2 percent.
Asset Mix:
Securities (42%), cash (18%), comm loans (13%), consumer loans (3%), home mtgs (1%), 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
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