Major Rating Factors:
A current level of 3.6 percent of nonperforming loans to core capital combined with 2.1 percent from a year earlier contributes to the Excellent asset quality (8.6). Good current capitalization (6.8 on a scale of 0 to 10) based on a risk-based capital ratio of 14.9 and a capital leverage ratio of 8.8.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.2 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.7 has resulted in Fair (3.5) profitability.
Asset Mix:
Home mtgs (56%), comm re (12%), securities (11%), comm loans (5%), home eq lns (3%), cash (2%), consumer loans (0%), other (9%)
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
NSB Mutual Holding Company
Investment Rating
--
Address
32 Church Hill Rd.
Newtown, CT 06470
Newtown, CT 06470
Phone Number
(203) 426-2563
Year Founded
1855
FDIC Number
Website
Largest Affiliates
No affiliate information available.