Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 on a scale of 0 to 10). A current level of 5.5 percent of nonperforming loans to core capital combined with 5.7 percent from a year earlier contributes to the Good asset quality (5.4).
Other Rating Factors:
Excellent current capitalization (7.9 on a scale of 0 to 10) based on a risk-based capital ratio of 15.0 and a capital leverage ratio of 9.6. Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.0 has resulted in Good (5.9) profitability.
Asset Mix:
Home mtgs (20%), cash (15%), comm re (14%), securities (12%), comm loans (9%), consumer loans (5%), home eq lns (2%), other (23%)
States with Branches:
MT
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
Valley Holding Company
Investment Rating
--
Address
63659 US Highway 93, South
Ronan, MT 59864
Ronan, MT 59864
Phone Number
(406) 676-2000
Year Founded
1984
FDIC Number
Website
Largest Affiliates
No affiliate information available.