Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 11.0. A current level of 4.1 percent of nonperforming loans to core capital combined with 5.7 percent from a year earlier contributes to the Excellent asset quality (7.1).
Other Rating Factors:
Operating profits as a percentage of assets at 2.1%, coupled with a return on assets of 1.6 has resulted in Good (6.8) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10).
Asset Mix:
Comm re (24%), comm loans (16%), securities (16%), home mtgs (15%), cash (10%), home eq lns (6%), consumer loans (0%), other (13%)
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
Greater Rochester Bancorp, Inc.
Investment Rating
--
Address
1850 South Winton Road
Rochester, NY 14618
Rochester, NY 14618
Phone Number
(585) 249-1540
Year Founded
1985
FDIC Number
Website
Largest Affiliates
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