Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (10.0 on a scale of 0 to 10). Excellent current capitalization (8.8 on a scale of 0 to 10) and a capital leverage ratio of 10.2.
Other Rating Factors:
Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 1.7 has resulted in Good (6.9) profitability. A current level of 7.8 percent of nonperforming loans to core capital combined with 7.5 percent from a year earlier contributes to the Good asset quality (5.2).
Asset Mix:
Comm re (15%), cash (11%), home mtgs (10%), securities (5%), home eq lns (3%), comm loans (3%), consumer loans (2%), other (52%)
States with Branches:
MN, 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
Security State Bank Holding Company
Investment Rating
--
Address
5650 37th Avenue South
Fargo, ND 58104
Fargo, ND 58104
Phone Number
(701) 532-2265
Year Founded
1927
FDIC Number
Website
Largest Affiliates
There are no affiliate to display.