Sentry Bank
Major Rating Factors:
A current level of 0.1 percent of nonperforming loans to core capital combined with 7.9 percent from a year earlier contributes to the Excellent asset quality (7.9). Excellent current capitalization (7.1 on a scale of 0 to 10) and a capital leverage ratio of 9.0.
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 (6.7 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.0 has resulted in Fair (5.0) profitability.
Asset Mix:
Comm re (30%), securities (19%), home mtgs (18%), comm loans (14%), cash (5%), consumer loans (1%), home eq lns (1%), other (12%)
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
Saint Joseph Bancshares Acquisitions, Inc.
Investment Rating
--
Address
400 Fourth Avenue, NE
Saint Joseph, MN 56374
Saint Joseph, MN 56374
Phone Number
(320) 363-7721
Year Founded
1904
FDIC Number
Website
Largest Affiliates
Becker, MN
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Bank