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). Good current capitalization (6.3 on a scale of 0 to 10) based on a risk-based capital ratio of 11.3 and a capital leverage ratio of 8.3.
Other Rating Factors:
A current level of 1.6 percent of nonperforming loans to core capital contributes to the Good asset quality (6.8). Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.6 has resulted in Good (6.4) profitability.
Asset Mix:
Home mtgs (14%), comm re (5%), comm loans (5%), cash (4%), consumer loans (2%), securities (1%), other (69%)
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
State Bank of Bottineau Holding Company
Investment Rating
--
Address
105 11th Street, East
Bottineau, ND 58318
Bottineau, ND 58318
Phone Number
(701) 228-2204
Year Founded
1901
FDIC Number
Largest Affiliates
No affiliate information available.