Major Rating Factors:
Excellent current capitalization (9.5 on a scale of 0 to 10) based on a risk-based capital ratio of 15.6 and a capital leverage ratio of 10.7. A current level of 1.6 percent of nonperforming loans to core capital combined with 1.7 percent from a year earlier contributes to the Excellent asset quality (8.7).
Other Rating Factors:
Operating profits as a percentage of assets at 2.1%, coupled with a return on assets of 1.7 has resulted in Excellent (7.5) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10).
Asset Mix:
Comm re (27%), securities (21%), home mtgs (13%), comm loans (5%), cash (5%), home eq lns (2%), consumer loans (1%), other (26%)
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