Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 15.7. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.5 on a scale of 0 to 10).
Other Rating Factors:
A current level of 9.7 percent of nonperforming loans to core capital combined with 19.0 percent from a year earlier contributes to the Good asset quality (5.2). Fair liquidity 4.2, driven by a liquidity ratio of 45.2 percent and a “hot money” ratio of 14.6 percent.
Asset Mix:
Securities (35%), comm loans (14%), comm re (12%), consumer loans (10%), cash (8%), home mtgs (1%), other (21%)
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
Warroad Bancshares, Inc.
Investment Rating
--
Address
502 Lake Street, NE
Warroad, MN 56763
Warroad, MN 56763
Phone Number
(218) 386-1818
Year Founded
1912
FDIC Number
Website
Largest Affiliates
No affiliate information available.