Major Rating Factors:
A current level of 0.0 percent of nonperforming loans to core capital combined with 0.0 percent from a year earlier contributes to the Excellent asset quality (9.8). Excellent current capitalization (7.8 on a scale of 0 to 10) and a capital leverage ratio of 9.5.
Other Rating Factors:
Good liquidity 5.1, driven by a liquidity ratio of 51.4 percent and a “hot money” ratio of 22.4 percent. Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.9 has resulted in Fair (3.6) profitability.
Asset Mix:
Securities (55%), comm re (13%), home mtgs (12%), cash (10%), comm loans (2%), home eq lns (2%), consumer loans (0%), other (5%)
States with Branches:
MN
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
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Address
145 Hamel Road
Hamel, MN 55340
Hamel, MN 55340
Phone Number
(763) 478-6611
Year Founded
1919
FDIC Number
Website
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