Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 18.8 and a capital leverage ratio of 12.3. Operating profits as a percentage of assets at 2.6%, coupled with a return on assets of 2.6 has resulted in Excellent (9.6) profitability.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (9.0 on a scale of 0 to 10). A current level of 8.9 percent of nonperforming loans to core capital combined with 17.3 percent from a year earlier contributes to the Good asset quality (5.4).
Asset Mix:
Securities (30%), comm re (25%), comm loans (12%), cash (7%), home mtgs (4%), consumer loans (1%), other (21%)
States with Branches:
NM
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
Pioneer Bancorp, Inc.
Investment Rating
--
Address
3000 North Main Street
Roswell, NM 88201
Roswell, NM 88201
Phone Number
(575) 624-5200
Year Founded
1901
FDIC Number
Website
Largest Affiliates
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