Fidelity Co-operative Bank
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.9 on a scale of 0 to 10). Good current capitalization (6.6 on a scale of 0 to 10) and a capital leverage ratio of 8.6.
Other Rating Factors:
A current level of 17.3 percent of nonperforming loans to core capital combined with 4.7 percent from a year earlier contributes to the Fair asset quality (3.6). Weak liquidity 2.8, driven by a liquidity ratio of 14.1 percent and a “hot money” ratio of 14.0 percent.
Asset Mix:
Comm re (23%), home mtgs (20%), securities (14%), comm loans (14%), home eq lns (6%), cash (3%), consumer loans (1%), other (19%)
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
Nine Leominster Connector
Leominster, MA 01453
Leominster, MA 01453
Phone Number
(978) 870-1306
Year Founded
1888
FDIC Number
Largest Affiliates
No affiliate information available.