B
RAM Mutual Ins Co
Esko,  MN
Rating Date
October 2025
NAIC
Classification
Property & Casualty
Risk Adjusted
Capital Ratio #1
1.46
Risk Adjusted
Capital Ratio #2
1.01
Loss
Ratio
70.85%
Total
Assets
152.86M
Capital
70.58M
Net
Premiums
42.97M
Net
Income
3.82M
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Weiss Ratings RAM Mutual Ins Co
Esko, MN 		Click to
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Rating B
Capitalization Index 7.00
Investment Safety Index --
Liquidity Index 6.30
Profitability Index 3.50
Reserve Adequacy Index 5.80
Stability Index 6.20
Company Info RAM Mutual Ins Co
Esko, MN 		Click to
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Industry P&C
NAIC Number 16330
Phone Number (218) 879-3321
Website www.rammutual.com
Address 125 East Highway 61 Esko, MN 55733
Balance Sheet RAM Mutual Ins Co
Esko, MN 		Click to
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Total Assets 152.86M
Capital and Reserves RAM Mutual Ins Co
Esko, MN 		Click to
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Risk-Adjusted Capital Ratio #1 1.46
Risk-Adjusted Capital Ratio #2 1.01
1-Year Reserve Development 340.00%
2-Year Reserve Development 230.00%
Capital 70.58M
Premium to Surplus 110.00%
Reserves to Surplus 30.00%
Investments RAM Mutual Ins Co
Esko, MN 		Click to
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Cash --
CMO & Structured Securities --
Common & Preferred Stock --
Invested Assets --
Investments in Affiliates --
Mortgages in Good Standing --
Non-Investment Grade Bonds --
Non-Performing Mortgages --
Other Investment Grade Bonds --
Other Investments --
Real Estate --
Operating Ratios RAM Mutual Ins Co
Esko, MN 		Click to
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Medical Loss Ratio --
Cash From Underwriting 90.00%
Combined Ratio 90.00%
Expense Ratio 20.00%
Loss Ratio 70.85%
Net Premium Growth 0.00%
Other Medical RAM Mutual Ins Co
Esko, MN 		Click to
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Bonus Pay --
Capitation Pay --
Contractual Pay --
Enrollment --
Fee For Service --
Medical Expense Per Member Per Month --
Network Physicians --
Other Pay --
Salary Pay --
Total Patient Encounters - Physician --
Total Patient Encounters-Non-Physician --
Profitability RAM Mutual Ins Co
Esko, MN 		Click to
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Net Income 3.82M
Net Premium 42.97M
Health Premium --