D
Community Bank Mankato
Rating Date
June 2025
Risk Based
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Major Rating Factors: Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.8 has resulted in Fair (3.7) profitability. A current level of 21.3 percent of nonperforming loans to core capital combined with 0.8 percent from a year earlier contributes to the Very Weak asset quality (0.8).
Other Rating Factors: Good current capitalization (6.5 on a scale of 0 to 10) based on a risk-based capital ratio of 11.8 and a capital leverage ratio of 8.5. 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: Comm re (28%), home mtgs (15%), comm loans (8%), securities (2%), cash (2%), consumer loans (1%), other (45%)
States with Branches: MN
Asset Quality
Non-Performing Loans to Capital
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Hot Money
Corporate Info
Group Affiliation
Vernon Center Bancshares, Inc.
Investment Rating
--
Address
201 East Main Street
Vernon Center, MN 56090
Phone Number
(507) 549-3679
Year Founded
1929
FDIC Number
Largest Affiliates
No affiliate information available.