Burke & Herbert Bank & Trust Company
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 14.3 and a capital leverage ratio of 12.3. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (9.4 on a scale of 0 to 10).
Other Rating Factors:
A current level of 7.3 percent of nonperforming loans to core capital combined with 9.0 percent from a year earlier contributes to the Fair asset quality (4.5). Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.1 has resulted in Fair (3.4) profitability.
Asset Mix:
Comm re (39%), securities (18%), home mtgs (13%), comm loans (7%), cash (2%), home eq lns (2%), consumer loans (0%), other (20%)
States with Branches:
DE, KY, MD, VA, WV
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
Burke & Herbert Financial Services Corp.
Investment Rating
Address
100 South Fairfax Street
Alexandria, VA 22314
Alexandria, VA 22314
Phone Number
(855) 571-5824
Year Founded
1852
FDIC Number
Largest Affiliates
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