Major Rating Factors:
Excellent current capitalization (8.6 on a scale of 0 to 10) based on a risk-based capital ratio of 20.5 and a capital leverage ratio of 10.1. A current level of 1.3 percent of nonperforming loans to core capital combined with 3.9 percent from a year earlier contributes to the Excellent asset quality (8.4).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.4 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.9 has resulted in Fair (4.1) profitability.
Asset Mix:
Securities (47%), home mtgs (12%), comm re (9%), comm loans (4%), consumer loans (2%), home eq lns (2%), cash (1%), other (23%)
States with Branches:
MT, WY
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
The Bridger Company
Investment Rating
--
Address
101 South Main Street
Bridger, MT 59014
Bridger, MT 59014
Phone Number
(406) 662-3388
Year Founded
1906
FDIC Number
Website
Largest Affiliates
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