Major Rating Factors:
A current level of 5.1 percent of nonperforming loans to core capital combined with 6.0 percent from a year earlier contributes to the Fair asset quality (4.9). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.7 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 15.4 and a capital leverage ratio of 12.5. Operating profits as a percentage of assets at 2.0%, coupled with a return on assets of 2.0 has resulted in Excellent (8.6) profitability.
Asset Mix:
Comm loans (14%), securities (13%), comm re (11%), home mtgs (5%), consumer loans (3%), cash (3%), other (51%)
States with Branches:
CO
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 State Bankshares, Inc.
Investment Rating
--
Address
717 North Main Street
Lamar, CO 81052
Lamar, CO 81052
Phone Number
(719) 336-3272
Year Founded
2008
FDIC Number
Website
Largest Affiliates
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