Major Rating Factors:
Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.7 has resulted in Fair (4.1) profitability. A current level of 10.8 percent of nonperforming loans to core capital combined with 10.6 percent from a year earlier contributes to the Fair asset quality (3.4).
Other Rating Factors:
Excellent current capitalization (7.3 on a scale of 0 to 10) based on a risk-based capital ratio of 14.9 and a capital leverage ratio of 9.2. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.6 on a scale of 0 to 10).
Asset Mix:
Home mtgs (27%), consumer loans (18%), comm re (13%), cash (12%), securities (11%), comm loans (7%), home eq lns (2%), other (11%)
States with Branches:
NY
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
Glenville Bank Holding Company, Inc.
Investment Rating
--
Address
201 Mohawk Avenue
Scotia, NY 12302
Scotia, NY 12302
Phone Number
(518) 370-7200
Year Founded
1923
FDIC Number
Website
Largest Affiliates
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