Major Rating Factors:
Excellent current capitalization (9.3 on a scale of 0 to 10) and a capital leverage ratio of 10.5. A current level of 0.0 percent of nonperforming loans to core capital combined with 4.5 percent from a year earlier contributes to the Excellent asset quality (8.9).
Other Rating Factors:
Operating profits as a percentage of assets at 2.2%, coupled with a return on assets of 2.2 has resulted in Excellent (7.4) profitability. Good liquidity 6.0, driven by a liquidity ratio of 77.8 percent and a “hot money” ratio of 12.2 percent.
Asset Mix:
Cash (54%), comm loans (16%), securities (5%), comm re (3%), consumer loans (2%), home mtgs (1%), other (19%)
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
Investment Rating
--
Address
908 Chief Little Shell Street
Belcourt, ND 58316
Belcourt, ND 58316
Phone Number
(701) 477-5995
Year Founded
2007
FDIC Number
Website
Largest Affiliates
No affiliate information available.