Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (10.0 on a scale of 0 to 10). Excellent current capitalization (9.7 on a scale of 0 to 10) based on a risk-based capital ratio of 14.2 and a capital leverage ratio of 11.2.
Other Rating Factors:
A current level of 12.4 percent of nonperforming loans to core capital combined with 5.9 percent from a year earlier contributes to the Fair asset quality (3.3). Weak liquidity 2.7, driven by a liquidity ratio of 18.7 percent and a “hot money” ratio of 10.9 percent.
Asset Mix:
Comm re (35%), securities (10%), home mtgs (10%), cash (7%), comm loans (6%), home eq lns (1%), consumer loans (0%), other (30%)
States with Branches:
MN, WI
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 Community Bancorp, Inc.
Investment Rating
Address
219 Fairfax Street
Altoona, WI 54720
Altoona, WI 54720
Phone Number
(715) 852-2288
Year Founded
1938
FDIC Number
Website
Largest Affiliates
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