Rhinebeck Bank
Major Rating Factors:
Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.8 has resulted in Weak (2.4) profitability. 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).
Other Rating Factors:
Excellent current capitalization (8.8 on a scale of 0 to 10) based on a risk-based capital ratio of 12.9 and a capital leverage ratio of 10.2. A current level of 2.6 percent of nonperforming loans to core capital combined with 3.9 percent from a year earlier contributes to the Good asset quality (6.3).
Asset Mix:
Comm re (28%), consumer loans (21%), securities (12%), comm loans (9%), home mtgs (9%), cash (4%), other (17%)
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
Rhinebeck Bancorp, MHC
Investment Rating
--
Address
Two Jefferson Plaza
Poughkeepsie, NY 12601
Poughkeepsie, NY 12601
Phone Number
(845) 454-8555
Year Founded
1860
FDIC Number
Website
Largest Affiliates
No affiliate information available.