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 (5.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.4 has resulted in Good (5.9) profitability.
Other Rating Factors:
Excellent current capitalization (8.7 on a scale of 0 to 10) based on a risk-based capital ratio of 14.2 and a capital leverage ratio of 10.2. A current level of 1.1 percent of nonperforming loans to core capital combined with 5.8 percent from a year earlier contributes to the Good asset quality (6.5).
Asset Mix:
Comm loans (16%), securities (15%), comm re (14%), home mtgs (9%), cash (4%), home eq lns (3%), consumer loans (1%), other (39%)
States with Branches:
MN
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
Citizens Bank Group, Inc.
Investment Rating
--
Address
301 Main Street, NE
Mapleton, MN 56065
Mapleton, MN 56065
Phone Number
(507) 524-3630
Year Founded
1903
FDIC Number
Website
Largest Affiliates
No affiliate information available.