Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 11.2. Operating profits as a percentage of assets at 2.1%, coupled with a return on assets of 2.0 has resulted in Excellent (8.9) profitability.
Other Rating Factors:
A current level of 0.5 percent of nonperforming loans to core capital combined with 0.8 percent from a year earlier contributes to the Excellent asset quality (8.3). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10).
Asset Mix:
Securities (21%), home mtgs (16%), comm re (11%), comm loans (8%), cash (4%), consumer loans (4%), other (36%)
States with Branches:
IA
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
Osceola Bancorporation
Investment Rating
--
Address
1000 Jeffreys Drive
Osceola, IA 50213
Osceola, IA 50213
Phone Number
(641) 342-2175
Year Founded
1987
FDIC Number
Website
Largest Affiliates
No affiliate information available.