Major Rating Factors:
Excellent current capitalization (7.2 on a scale of 0 to 10) and a capital leverage ratio of 9.1. A current level of 4.0 percent of nonperforming loans to core capital combined with 3.5 percent from a year earlier contributes to the Good asset quality (6.2).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.2 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 0.9 has resulted in Fair (4.8) profitability.
Asset Mix:
Home mtgs (21%), comm re (15%), securities (14%), cash (11%), comm loans (6%), consumer loans (1%), other (32%)
States with Branches:
MO
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
Buffalo Bancshares, Inc.
Investment Rating
--
Address
1347 South Ash Street
Buffalo, MO 65622
Buffalo, MO 65622
Phone Number
(417) 345-2251
Year Founded
1905
FDIC Number
Website
Largest Affiliates
No affiliate information available.