State Bank of Southwest Missouri
Major Rating Factors:
Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 1.0 has resulted in Fair (4.0) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.4 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 0.3 percent from a year earlier contributes to the Excellent asset quality (8.8). Good current capitalization (6.0 on a scale of 0 to 10) based on a risk-based capital ratio of 11.2 and a capital leverage ratio of 8.0.
Asset Mix:
Home mtgs (45%), cash (12%), home eq lns (10%), securities (6%), comm re (6%), consumer loans (6%), comm loans (3%), other (12%)
States with Branches:
MO
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
State Bancshares, Inc.
Investment Rating
--
Address
3310 East Sunshine Street
Springfield, MO 65804
Springfield, MO 65804
Phone Number
(417) 882-1400
Year Founded
1985
FDIC Number
Website
Largest Affiliates
No affiliate information available.