Major Rating Factors:
A current level of 7.6 percent of nonperforming loans to core capital combined with 7.1 percent from a year earlier contributes to the Fair asset quality (3.6). Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 1.3 has resulted in Good (6.3) profitability.
Other Rating Factors:
Excellent current capitalization (8.6 on a scale of 0 to 10) and a capital leverage ratio of 10.1. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.6 on a scale of 0 to 10).
Asset Mix:
Comm re (31%), home mtgs (25%), comm loans (7%), cash (6%), securities (4%), consumer loans (2%), home eq lns (1%), other (25%)
States with Branches:
MO
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
PBS Bancshares, Inc.
Investment Rating
--
Address
1615 Cherokee Avenue
Seneca, MO 64865
Seneca, MO 64865
Phone Number
(417) 578-9010
Year Founded
1996
FDIC Number
Largest Affiliates
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