Major Rating Factors:
Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.8 has resulted in Weak (2.0) profitability. A current level of 3.6 percent of nonperforming loans to core capital combined with 3.8 percent from a year earlier contributes to the Excellent asset quality (7.2).
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 (9.3 on a scale of 0 to 10). Excellent current capitalization (8.5 on a scale of 0 to 10) based on a risk-based capital ratio of 14.5 and a capital leverage ratio of 10.0.
Asset Mix:
Home mtgs (37%), comm re (14%), comm loans (12%), securities (11%), cash (3%), home eq lns (3%), consumer loans (1%), other (20%)
States with Branches:
NY
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
Pioneer Bancorp MHC
Investment Rating
--
Address
652 Albany Shaker Road
Albany, NY 12211
Albany, NY 12211
Phone Number
(518) 730-3999
Year Founded
1889
FDIC Number
Website
Largest Affiliates
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