Major Rating Factors:
Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.7 has resulted in Fair (3.8) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (8.9 on a scale of 0 to 10) based on a risk-based capital ratio of 14.0 and a capital leverage ratio of 10.3. A current level of 1.1 percent of nonperforming loans to core capital combined with 2.4 percent from a year earlier contributes to the Excellent asset quality (8.5).
Asset Mix:
Comm re (25%), securities (17%), home mtgs (16%), comm loans (16%), home eq lns (7%), cash (2%), consumer loans (0%), other (16%)
States with Branches:
MT
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
Bozeman Bancorp, Inc.
Investment Rating
--
Address
875 Harmon Stream Boulevard
Bozeman, MT 59718
Bozeman, MT 59718
Phone Number
(406) 587-5626
Year Founded
2005
FDIC Number
Website
Largest Affiliates
No affiliate information available.