Major Rating Factors:
Excellent current capitalization (7.7 on a scale of 0 to 10) based on a risk-based capital ratio of 15.3 and a capital leverage ratio of 9.5. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.0 on a scale of 0 to 10).
Other Rating Factors:
A current level of 8.9 percent of nonperforming loans to core capital combined with 3.9 percent from a year earlier contributes to the Good asset quality (5.8). Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 1.1 has resulted in Fair (4.0) profitability.
Asset Mix:
Securities (27%), comm re (17%), cash (10%), comm loans (8%), home mtgs (8%), consumer loans (1%), other (28%)
States with Branches:
ND, WI
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
Starion Bancorporation
Investment Rating
--
Address
333 North Fourth Street
Bismarck, ND 58501
Bismarck, ND 58501
Phone Number
(701) 223-6050
Year Founded
1993
FDIC Number
Website
Largest Affiliates
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