Major Rating Factors:
Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.3 has resulted in Fair (4.6) profitability. A current level of 11.1 percent of nonperforming loans to core capital combined with 14.8 percent from a year earlier contributes to the Fair asset quality (3.9).
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). Excellent current capitalization (7.1 on a scale of 0 to 10) based on a risk-based capital ratio of 11.8 and a capital leverage ratio of 9.1.
Asset Mix:
Comm re (26%), comm loans (12%), home mtgs (11%), securities (9%), consumer loans (3%), cash (2%), home eq lns (2%), other (35%)
States with Branches:
MN, ND
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
Border Bancshares, Inc.
Investment Rating
--
Address
4530 17th Avenue, South
Fargo, ND 58103
Fargo, ND 58103
Phone Number
(701) 282-4598
Year Founded
FDIC Number
Website
Largest Affiliates
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