Security Trust & Savings Bank
Major Rating Factors:
Excellent current capitalization (9.1 on a scale of 0 to 10) based on a risk-based capital ratio of 33.0 and a capital leverage ratio of 10.4. A current level of 2.1 percent of nonperforming loans to core capital combined with 2.3 percent from a year earlier contributes to the Excellent asset quality (8.2).
Other Rating Factors:
Good liquidity 5.7, driven by a liquidity ratio of 60.4 percent and a “hot money” ratio of 13.7 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.5 on a scale of 0 to 10).
Asset Mix:
Securities (35%), cash (31%), home mtgs (7%), comm loans (3%), comm re (1%), consumer loans (1%), other (22%)
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
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