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). Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.3 has resulted in Good (5.4) profitability.
Other Rating Factors:
A current level of 0.1 percent of nonperforming loans to core capital combined with 0.1 percent from a year earlier contributes to the Excellent asset quality (8.9). Good current capitalization (6.0 on a scale of 0 to 10) based on a risk-based capital ratio of 12.0 and a capital leverage ratio of 8.0.
Asset Mix:
Home mtgs (37%), home eq lns (15%), comm loans (8%), securities (5%), comm re (5%), consumer loans (2%), cash (2%), other (25%)
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
Bancorp of Baltic, Inc.
Investment Rating
--
Address
101 East Main Street
Baltic, OH 43804
Baltic, OH 43804
Phone Number
(330) 897-6401
Year Founded
1902
FDIC Number
Website
Largest Affiliates
No affiliate information available.