Major Rating Factors:
Operating profits as a percentage of assets at 3.2%, coupled with a return on assets of 2.3 has resulted in Excellent (10.0) profitability. Excellent current capitalization (9.4 on a scale of 0 to 10) and a capital leverage ratio of 10.6.
Other Rating Factors:
A current level of 0.2 percent of nonperforming loans to core capital combined with 0.3 percent from a year earlier contributes to the Excellent asset quality (8.9). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (7.0 on a scale of 0 to 10).
Asset Mix:
Securities (36%), comm re (16%), cash (16%), comm loans (11%), home mtgs (6%), home eq lns (3%), consumer loans (1%), other (11%)
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
Salish and Kootenai Bancorporation
Investment Rating
--
Address
80 Heritage Lane
Polson, MT 59860
Polson, MT 59860
Phone Number
(406) 314-8145
Year Founded
2006
FDIC Number
Website
Largest Affiliates
No affiliate information available.