Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 on a scale of 0 to 10). A current level of 4.8 percent of nonperforming loans to core capital combined with 7.8 percent from a year earlier contributes to the Good asset quality (5.9).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 15.3 and a capital leverage ratio of 11.6. Operating profits as a percentage of assets at 2.1%, coupled with a return on assets of 2.1 has resulted in Excellent (8.0) profitability.
Asset Mix:
Securities (22%), comm loans (17%), consumer loans (3%), comm re (2%), cash (2%), home mtgs (1%), other (53%)
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
Dakota Western Bankshares, Inc.
Investment Rating
--
Address
202 South Main
Bowman, ND 58623
Bowman, ND 58623
Phone Number
(701) 523-5803
Year Founded
1910
FDIC Number
Website
Largest Affiliates
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