Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 11.1. Operating profits as a percentage of assets at 2.3%, coupled with a return on assets of 2.2 has resulted in Excellent (8.9) profitability.
Other Rating Factors:
A current level of 0.2 percent of nonperforming loans to core capital combined with 0.7 percent from a year earlier contributes to the Excellent asset quality (8.4). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10).
Asset Mix:
Securities (23%), home mtgs (15%), comm re (10%), comm loans (9%), cash (5%), consumer loans (4%), other (35%)
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
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