Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 25.1 and a capital leverage ratio of 13.8. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (9.2 on a scale of 0 to 10).
Other Rating Factors:
A current level of 0.2 percent of nonperforming loans to core capital combined with 2.0 percent from a year earlier contributes to the Excellent asset quality (8.7). Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 1.6 has resulted in Good (7.0) profitability.
Asset Mix:
Securities (26%), cash (7%), comm re (4%), comm loans (4%), home mtgs (1%), consumer loans (1%), other (57%)
States with Branches:
SD
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
Roscoe Community Bankshares, Inc.
Investment Rating
--
Address
202 North Mitchell Street
Roscoe, SD 57471
Roscoe, SD 57471
Phone Number
(605) 287-4451
Year Founded
1903
FDIC Number
Website
Largest Affiliates
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