Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 28.1 and a capital leverage ratio of 17.2. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.1 on a scale of 0 to 10).
Other Rating Factors:
A current level of 8.0 percent of nonperforming loans to core capital combined with 5.2 percent from a year earlier contributes to the Good asset quality (5.9). Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 1.1 has resulted in Weak (2.6) profitability.
Asset Mix:
Securities (27%), comm loans (19%), home mtgs (14%), comm re (5%), cash (3%), consumer loans (3%), other (30%)
States with Branches:
KS
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
Holyrood Bancshares, Inc.
Investment Rating
--
Address
100 South Main Street
Holyrood, KS 67450
Holyrood, KS 67450
Phone Number
(785) 252-3239
Year Founded
1887
FDIC Number
Website
Largest Affiliates
No affiliate information available.