Major Rating Factors:
A current level of 0.2 percent of nonperforming loans to core capital combined with 0.1 percent from a year earlier contributes to the Excellent asset quality (7.8). Excellent current capitalization (7.2 on a scale of 0 to 10) based on a risk-based capital ratio of 13.1 and a capital leverage ratio of 9.2.
Other 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 (4.9 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.6 has resulted in Fair (3.3) profitability.
Asset Mix:
Comm re (33%), home mtgs (24%), securities (15%), comm loans (4%), cash (4%), home eq lns (1%), consumer loans (0%), other (19%)
States with Branches:
NH
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
Franklin Bancorp MHC
Investment Rating
--
Address
387 Central Street
Franklin, NH 03235
Franklin, NH 03235
Phone Number
(603) 934-4445
Year Founded
1869
FDIC Number
Website
Largest Affiliates
No affiliate information available.