Major Rating Factors:
Excellent current capitalization (9.7 on a scale of 0 to 10) and a capital leverage ratio of 10.8. A current level of 1.0 percent of nonperforming loans to core capital combined with 1.3 percent from a year earlier contributes to the Excellent asset quality (9.0).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.4 on a scale of 0 to 10). Fair liquidity 3.1, driven by a liquidity ratio of 19.7 percent and a “hot money” ratio of 20.2 percent.
Asset Mix:
Home mtgs (36%), comm re (20%), securities (15%), cash (4%), home eq lns (4%), comm loans (3%), consumer loans (1%), other (17%)
States with Branches:
CT
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
GSB Mutual Holding Company
Investment Rating
--
Address
One Park Street
Guilford, CT 06437
Guilford, CT 06437
Phone Number
(203) 453-2721
Year Founded
1875
FDIC Number
Website
Largest Affiliates
No affiliate information available.