| Weiss Ratings |
Florence Bank
Florence, MA |
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| Rating | ||||
| Asset Quality Index | 8.80 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 3.20 | |||
| Profitability Index | 3.50 | |||
| Stability Index | 7.00 | |||
| Company Info |
Florence Bank
Florence, MA |
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| FDIC Number | 23293 | |||
| Phone Number | (413) 586-1300 | |||
| Website | www.florencebank.com | |||
| Asset Quality |
Florence Bank
Florence, MA |
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| 1-Year Asset Growth | -8.45% | |||
| 5-Year Asset Growth | 7.03% | |||
| 5-Year Charge-Offs to Average Loans | 0.02% | |||
| Charge-Offs to Average Loans | 0.01% | |||
| Non-Performing Assets to Assets | 0.16% | |||
| Non-Performing Loans to Capital | 1.27% | |||
| Non-Performing Loans to Loans | 0.26% | |||
| Balance Sheet |
Florence Bank
Florence, MA |
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| Total Assets | 1.95B | |||
| Total Deposits | 1.69B | |||
| Capital and Reserves |
Florence Bank
Florence, MA |
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| Capital | 205.90M | |||
| Leverage Ratio | 12.14 | |||
| Loan Loss Reserves to Loans | 0.62% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
Florence Bank
Florence, MA |
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| Hot Money Ratio | 22.02% | |||
| Liquidity Ratio | 25.56% | |||
| Profitability |
Florence Bank
Florence, MA |
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| 5-Year Return on Average Assets | 0.73% | |||
| Net Income | 9.69M | |||
| Net Interest Spread | 2.65% | |||
| Operating Profit to Average Assets | 0.86% | |||
| Overhead Efficiency Ratio | 68.95% | |||
| Return on Assets | 0.65% | |||
| Return on Equity | 6.59% | |||