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 (3.7 on a scale of 0 to 10). A current level of 4.5 percent of nonperforming loans to core capital combined with 8.4 percent from a year earlier contributes to the Good asset quality (6.7).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 12.1. Operating profits as a percentage of assets at 2.1%, coupled with a return on assets of 1.7 has resulted in Excellent (7.8) profitability.
Asset Mix:
Comm re (31%), comm loans (21%), home mtgs (15%), cash (6%), securities (4%), home eq lns (1%), consumer loans (1%), other (21%)
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
Keystrong Financial, Inc.
Investment Rating
--
Address
143 North Main Street
Elderton, PA 15736
Elderton, PA 15736
Phone Number
(724) 354-2111
Year Founded
1919
FDIC Number
Website
Largest Affiliates
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