Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 14.7 and a capital leverage ratio of 11.4. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.7 on a scale of 0 to 10).
Other Rating Factors:
A current level of 7.5 percent of nonperforming loans to core capital combined with 5.1 percent from a year earlier contributes to the Good asset quality (6.8). Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.9 has resulted in Fair (4.0) profitability.
Asset Mix:
Home mtgs (36%), comm re (15%), securities (14%), comm loans (5%), home eq lns (3%), 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
South Weymouth, MA
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Bank