Liberty Bank
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 15.1 and a capital leverage ratio of 13.3. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (9.2 on a scale of 0 to 10).
Other Rating Factors:
A current level of 4.9 percent of nonperforming loans to core capital combined with 6.3 percent from a year earlier contributes to the Good asset quality (6.7). Fair liquidity 3.1, driven by a liquidity ratio of 20.8 percent and a “hot money” ratio of 8.2 percent.
Asset Mix:
Home mtgs (19%), comm re (16%), securities (13%), comm loans (12%), home eq lns (4%), cash (3%), consumer loans (2%), other (31%)
States with Branches:
CT, MA
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
Liberty Financial Corporation
Investment Rating
--
Address
315 Main Street
Middletown, CT 06457
Middletown, CT 06457
Phone Number
(860) 638-2922
Year Founded
1825
FDIC Number
Website
Largest Affiliates
No affiliate information available.