Major Rating Factors:
Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.7 has resulted in Fair (3.4) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.0 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (7.9 on a scale of 0 to 10) and a capital leverage ratio of 9.6. A current level of 3.8 percent of nonperforming loans to core capital combined with 5.1 percent from a year earlier contributes to the Good asset quality (5.9).
Asset Mix:
Home mtgs (48%), securities (14%), comm re (11%), consumer loans (4%), comm loans (4%), cash (2%), other (17%)
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
Orbisonia Community Bancorp, Inc.
Investment Rating
--
Address
478 Ridgley Street
Orbisonia, PA 17243
Orbisonia, PA 17243
Phone Number
(814) 447-5552
Year Founded
1951
FDIC Number
Website
Largest Affiliates
No affiliate information available.