Security Trust & Savings Bank
Major Rating Factors:
Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.9 has resulted in Fair (3.3) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.0 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (8.2 on a scale of 0 to 10) based on a risk-based capital ratio of 30.8 and a capital leverage ratio of 9.8. A current level of 2.6 percent of nonperforming loans to core capital combined with 0.3 percent from a year earlier contributes to the Excellent asset quality (8.0).
Asset Mix:
Securities (37%), cash (33%), home mtgs (6%), comm loans (2%), comm re (1%), consumer loans (1%), other (20%)
States with Branches:
IA
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
Storm Lake Security Bancorporation
Investment Rating
--
Address
601 Lake Avenue
Storm Lake, IA 50588
Storm Lake, IA 50588
Phone Number
(712) 732-3022
Year Founded
1908
FDIC Number
Website
Largest Affiliates
No affiliate information available.