Major Rating Factors:
Very Weak current capitalization (0.0 on a scale of 0 to 10) based on a risk-based capital ratio of 6.5 and a capital leverage ratio of 2.8.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Very Weak overall stability index (0.7 on a scale of 0 to 10). Fair liquidity 3.7, driven by a liquidity ratio of 43.5 percent and a “hot money” ratio of 25.0 percent.
Asset Mix:
Home mtgs (44%), cash (40%), comm loans (7%), securities (3%), consumer loans (1%), comm re (0%), other (5%)
States with Branches:
NE
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
Investment Rating
--
Address
1045 10th Avenue
Sidney, NE 69162
Sidney, NE 69162
Phone Number
(308) 254-2401
Year Founded
1899
FDIC Number
Website
Largest Affiliates
No affiliate information available.