Home State Bank
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 16.7 and a capital leverage ratio of 11.8. A current level of 0.4 percent of nonperforming loans to core capital combined with 3.8 percent from a year earlier contributes to the Excellent asset quality (8.8).
Other Rating Factors:
Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 1.1 has resulted in Fair (4.7) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.8 on a scale of 0 to 10).
Asset Mix:
Securities (33%), comm re (14%), home mtgs (14%), comm loans (11%), cash (7%), home eq lns (4%), consumer loans (2%), other (15%)
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
Kandiyohi Bancshares, Inc.
Investment Rating
--
Address
1435 East Highway 12
Litchfield, MN 55355
Litchfield, MN 55355
Phone Number
(320) 593-2001
Year Founded
1926
FDIC Number
Website
Largest Affiliates
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