Security Trust & Savings Bank
Major Rating Factors:
Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 1.0 has resulted in Fair (3.9) 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:
A current level of 2.1 percent of nonperforming loans to core capital combined with 0.1 percent from a year earlier contributes to the Excellent asset quality (8.2). Excellent current capitalization (8.1 on a scale of 0 to 10) based on a risk-based capital ratio of 31.6 and a capital leverage ratio of 9.7.
Asset Mix:
Securities (38%), cash (31%), home mtgs (7%), comm loans (2%), comm re (1%), consumer loans (1%), other (21%)
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.