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 (4.3 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.5 has resulted in Fair (3.3) profitability.
Other Rating Factors:
A current level of 2.3 percent of nonperforming loans to core capital combined with 2.4 percent from a year earlier contributes to the Excellent asset quality (7.7). Excellent current capitalization (7.5 on a scale of 0 to 10) based on a risk-based capital ratio of 14.2 and a capital leverage ratio of 9.3.
Asset Mix:
Home mtgs (24%), securities (17%), home eq lns (11%), comm re (10%), comm loans (6%), cash (3%), consumer loans (2%), other (27%)
States with Branches:
OH
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
Metamora Bancorp, Inc.
Investment Rating
--
Address
120 East Main Street
Metamora, OH 43540
Metamora, OH 43540
Phone Number
(419) 644-2361
Year Founded
1944
FDIC Number
Website
Largest Affiliates
No affiliate information available.