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 4.4 percent of nonperforming loans to core capital combined with 4.9 percent from a year earlier contributes to the Good asset quality (5.7).
Other Rating Factors:
Excellent current capitalization (7.4 on a scale of 0 to 10) based on a risk-based capital ratio of 15.2 and a capital leverage ratio of 9.2. Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.1 has resulted in Good (6.2) profitability.
Asset Mix:
Home mtgs (19%), cash (19%), comm re (13%), securities (11%), comm loans (10%), consumer loans (4%), home eq lns (2%), other (21%)
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.