Major Rating Factors:
Good current capitalization (6.8 on a scale of 0 to 10) based on a risk-based capital ratio of 13.4 and a capital leverage ratio of 8.8. A current level of 4.6 percent of nonperforming loans to core capital combined with 5.3 percent from a year earlier contributes to the Good asset quality (6.3).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 1.0 has resulted in Fair (4.0) profitability.
Asset Mix:
Securities (26%), comm re (25%), home mtgs (15%), home eq lns (4%), comm loans (3%), cash (2%), consumer loans (2%), other (22%)
States with Branches:
MT
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
Farmers State Financial Corp.
Investment Rating
--
Address
103 Main Street
Victor, MT 59875
Victor, MT 59875
Phone Number
(406) 642-3431
Year Founded
1907
FDIC Number
Website
Largest Affiliates
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