Major Rating Factors:
A current level of 43.1 percent of nonperforming loans to core capital combined with 2.3 percent from a year earlier contributes to the Very Weak asset quality (0.7).
Other Rating Factors:
Very Weak liquidity 0.1, driven by a liquidity ratio of 10.9 percent and a “hot money” ratio of 44.1 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (1.8 on a scale of 0 to 10).
Asset Mix:
Comm re (20%), cash (10%), comm loans (10%), home mtgs (3%), consumer loans (1%), other (57%)
States with Branches:
KS
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
Gardner Bancshares, Inc.
Investment Rating
--
Address
13423 West 92nd Street
Lenexa, KS 66215
Lenexa, KS 66215
Phone Number
(913) 856-7199
Year Founded
1984
FDIC Number
Website
Largest Affiliates
No affiliate information available.