Major 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 (3.7 on a scale of 0 to 10). A current level of 3.8 percent of nonperforming loans to core capital combined with 4.7 percent from a year earlier contributes to the Good asset quality (6.8).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 11.2. Operating profits as a percentage of assets at 2.0%, coupled with a return on assets of 1.7 has resulted in Excellent (7.4) profitability.
Asset Mix:
Securities (17%), comm re (16%), comm loans (12%), cash (1%), home mtgs (1%), consumer loans (0%), other (53%)
States with Branches:
CO, KS
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
Security Bancshares, Inc.
Investment Rating
--
Address
240 West Fourth Street
Colby, KS 67701
Colby, KS 67701
Phone Number
(785) 460-3321
Year Founded
1887
FDIC Number
Website
Largest Affiliates
Scott City, KS
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Bank
Oakley, KS
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Bank