Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.6 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 33.3. Excellent liquidity 8.4, driven by a liquidity ratio of 121.1 percent and a “hot money” ratio of 3.3 percent.
Asset Mix:
Securities (61%), cash (6%), consumer loans (4%), comm loans (1%), other (27%)
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
Battle Financial, Inc.
Investment Rating
--
Address
105 South Main Street
Upsala, MN 56384
Upsala, MN 56384
Phone Number
(320) 573-2111
Year Founded
1914
FDIC Number
Website
Largest Affiliates
Saint Cloud, MN
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Bank
Holdingford, MN
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Bank