Major Rating Factors:
Excellent current capitalization (9.7 on a scale of 0 to 10) based on a risk-based capital ratio of 18.8 and a capital leverage ratio of 10.8. Operating profits as a percentage of assets at 2.8%, coupled with a return on assets of 2.8 has resulted in Excellent (9.5) profitability.
Other Rating Factors:
A current level of 0.7 percent of nonperforming loans to core capital combined with 1.4 percent from a year earlier contributes to the Excellent asset quality (8.6). 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 (36%), home mtgs (14%), comm re (8%), comm loans (8%), home eq lns (6%), consumer loans (5%), cash (4%), other (18%)
States with Branches:
WY
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
Star Valley Bancshares, Inc.
Investment Rating
--
Address
384 Washington
Afton, WY 83110
Afton, WY 83110
Phone Number
(307) 885-0000
Year Founded
1996
FDIC Number
Website
Largest Affiliates
There are no affiliate to display.