Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.1 has resulted in Good (5.2) profitability.
Other Rating Factors:
Excellent current capitalization (8.3 on a scale of 0 to 10) and a capital leverage ratio of 9.9. A current level of 1.0 percent of nonperforming loans to core capital combined with 1.5 percent from a year earlier contributes to the Good asset quality (6.6).
Asset Mix:
Consumer loans (26%), comm re (25%), home mtgs (16%), cash (10%), securities (5%), home eq lns (4%), comm loans (2%), other (12%)
States with Branches:
PA
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
JBT Bancorp, Inc.
Investment Rating
Address
2 West Market Street
Jonestown, PA 17038
Jonestown, PA 17038
Phone Number
(717) 865-2112
Year Founded
1873
FDIC Number
Website
Largest Affiliates
No affiliate information available.