Badger Bank
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 11.8. A current level of 0.7 percent of nonperforming loans to core capital combined with 2.1 percent from a year earlier contributes to the Excellent asset quality (9.0).
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 (5.9 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.0 has resulted in Fair (4.9) profitability.
Asset Mix:
Home mtgs (28%), securities (23%), comm re (18%), cash (6%), home eq lns (2%), comm loans (2%), consumer loans (1%), other (20%)
States with Branches:
WI
Corporate Info
Citizens Financial Corporation
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220 Grant Street
Fort Atkinson, WI 53538
Fort Atkinson, WI 53538
(920) 563-2478
1884
Largest Affiliates
No affiliate information available.