Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 14.1 and a capital leverage ratio of 11.1. 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).
Other Rating Factors:
A current level of 4.1 percent of nonperforming loans to core capital combined with 5.3 percent from a year earlier contributes to the Excellent asset quality (7.2). Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.6 has resulted in Fair (3.5) profitability.
Asset Mix:
Home mtgs (37%), securities (15%), comm re (14%), comm loans (5%), home eq lns (2%), cash (1%), other (27%)
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
Charlesbridge, MHC
Investment Rating
--
Address
55 Elm Street
Dedham, MA 02026
Dedham, MA 02026
Phone Number
(781) 329-6700
Year Founded
1831
FDIC Number
Website
Largest Affiliates
No affiliate information available.