Jersey Shore State Bank
Major Rating Factors:
A current level of 5.7 percent of nonperforming loans to core capital combined with 1.9 percent from a year earlier contributes to the Good asset quality (6.8). Good current capitalization (6.6 on a scale of 0 to 10) based on a risk-based capital ratio of 10.9 and a capital leverage ratio of 8.6.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.8 has resulted in Fair (4.0) profitability.
Asset Mix:
Home mtgs (21%), comm re (17%), home eq lns (16%), consumer loans (10%), securities (9%), comm loans (6%), cash (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
Penns Woods Bancorp, Inc.
Investment Rating
Address
300 Market Street
Williamsport, PA 17701
Williamsport, PA 17701
Phone Number
(570) 322-1111
Year Founded
1934
FDIC Number
Website
Largest Affiliates
Luzerne, PA
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Bank