Pocahontas State Bank
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 25.8. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.4 on a scale of 0 to 10).
Other Rating Factors:
A current level of 0.0 percent of nonperforming loans to core capital combined with 1.2 percent from a year earlier contributes to the Excellent asset quality (8.1). Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.6 has resulted in Good (5.6) profitability.
Asset Mix:
Securities (58%), home mtgs (5%), comm re (3%), cash (2%), comm loans (2%), consumer loans (0%), other (30%)
States with Branches:
IA
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
Dentel Bancorporation
Investment Rating
--
Address
233 North Main Street
Pocahontas, IA 50574
Pocahontas, IA 50574
Phone Number
(712) 335-3567
Year Founded
1926
FDIC Number
Largest Affiliates
Corydon, IA
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Bank
Maxwell, IA
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Bank