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 16.1 and a capital leverage ratio of 11.2. 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 (8.3).
Other 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 (4.3) profitability. Fair liquidity 3.9, driven by a liquidity ratio of 29.1 percent and a “hot money” ratio of 10.7 percent.
Asset Mix:
Securities (34%), comm re (13%), comm loans (11%), home mtgs (11%), cash (9%), home eq lns (3%), consumer loans (2%), other (16%)
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
No affiliate information available.