Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 16.7 and a capital leverage ratio of 13.0. Operating profits as a percentage of assets at 2.2%, coupled with a return on assets of 1.5 has resulted in Excellent (8.5) profitability.
Other Rating Factors:
A current level of 2.1 percent of nonperforming loans to core capital combined with 0.8 percent from a year earlier contributes to the Excellent asset quality (8.2). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10).
Asset Mix:
Comm re (23%), securities (18%), home mtgs (6%), comm loans (5%), cash (3%), consumer loans (2%), home eq lns (1%), other (43%)
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
Montana Security, Inc.
Investment Rating
--
Address
435 Third Street
Havre, MT 59501
Havre, MT 59501
Phone Number
(406) 265-1241
Year Founded
1973
FDIC Number
Website
Largest Affiliates
No affiliate information available.