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 (3.7 on a scale of 0 to 10). 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 (7.1).
Other Rating Factors:
Excellent current capitalization (8.6 on a scale of 0 to 10) and a capital leverage ratio of 10.1. Operating profits as a percentage of assets at 2.2%, coupled with a return on assets of 2.1 has resulted in Excellent (8.3) profitability.
Asset Mix:
Home mtgs (9%), comm loans (8%), comm re (7%), securities (6%), cash (2%), home eq lns (2%), consumer loans (1%), other (65%)
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
Adams Bancshares, Inc.
Investment Rating
--
Address
15 Fourth Street, SW
Adams, MN 55909
Adams, MN 55909
Phone Number
(507) 582-3448
Year Founded
1915
FDIC Number
Website
Largest Affiliates
No affiliate information available.