Major Rating Factors:
Excellent current capitalization (9.2 on a scale of 0 to 10) based on a risk-based capital ratio of 16.0 and a capital leverage ratio of 10.5. A current level of 1.5 percent of nonperforming loans to core capital combined with 3.3 percent from a year earlier contributes to the Excellent asset quality (8.5).
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 (7.1 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.1 has resulted in Good (5.0) profitability.
Asset Mix:
Securities (27%), comm re (26%), home mtgs (13%), comm loans (5%), cash (2%), home eq lns (2%), consumer loans (1%), other (24%)
States with Branches:
NE, 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
Pinnacle Bancorp, Inc.
Investment Rating
--
Address
1702 Sheridan Avenue
Cody, WY 82414
Cody, WY 82414
Phone Number
(402) 697-5990
Year Founded
1918
FDIC Number
Website
Largest Affiliates
Lincoln, NE
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Bank
Fort Collins, CO
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Bank
Fort Worth, TX
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Bank