Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (1.8 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.4%, coupled with a return on assets of 0.3 has resulted in Weak (2.2) profitability.
Other Rating Factors:
Weak liquidity 2.0, driven by a liquidity ratio of 26.4 percent and a “hot money” ratio of 33.5 percent. Good current capitalization (5.6 on a scale of 0 to 10) based on a risk-based capital ratio of 11.5 and a capital leverage ratio of 7.6.
Asset Mix:
Home mtgs (27%), securities (22%), comm re (12%), comm loans (11%), home eq lns (6%), cash (3%), consumer loans (1%), other (18%)
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
Community Financial Corporation
Investment Rating
--
Address
640 West Bridge Street
Owatonna, MN 55060
Owatonna, MN 55060
Phone Number
(507) 455-2265
Year Founded
2003
FDIC Number
Website
Largest Affiliates
No affiliate information available.