Major Rating Factors:
Excellent current capitalization (9.4 on a scale of 0 to 10) based on a risk-based capital ratio of 18.2 and a capital leverage ratio of 10.6. A current level of 2.9 percent of nonperforming loans to core capital combined with 2.4 percent from a year earlier contributes to the Excellent asset quality (8.8).
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 (7.2 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 (3.6) profitability.
Asset Mix:
Home mtgs (57%), securities (11%), comm re (10%), home eq lns (5%), cash (2%), comm loans (2%), consumer loans (2%), other (11%)
States with Branches:
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
Mutual Bancorp.
Investment Rating
--
Address
1500 Iyannough Road
Hyannis, MA 02601
Hyannis, MA 02601
Phone Number
(508) 240-0500
Year Founded
1855
FDIC Number
Website
Largest Affiliates
No affiliate information available.