Major Rating Factors:
A current level of 8.6 percent of nonperforming loans to core capital combined with 7.4 percent from a year earlier contributes to the Fair asset quality (3.9).
Other Rating Factors:
Good current capitalization (6.2 on a scale of 0 to 10) based on a risk-based capital ratio of 10.2 and a capital leverage ratio of 8.2. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.6 on a scale of 0 to 10).
Asset Mix:
Comm re (21%), home mtgs (18%), comm loans (13%), securities (10%), cash (7%), consumer loans (3%), home eq lns (2%), other (27%)
States with Branches:
ND
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
Vision Bank Holdings, Inc.
Investment Rating
--
Address
3000 25th Street, South
Fargo, ND 58103
Fargo, ND 58103
Phone Number
(701) 364-2020
Year Founded
2004
FDIC Number
Website
Largest Affiliates
No affiliate information available.