Fidelity Co-operative Bank
Major Rating Factors:
Excellent current capitalization (8.3 on a scale of 0 to 10) and a capital leverage ratio of 9.9. 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).
Other Rating Factors:
Weak liquidity 2.8, driven by a liquidity ratio of 4.1 percent and a “hot money” ratio of 10.4 percent. Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.8 has resulted in Weak (1.4) profitability.
Asset Mix:
Comm re (22%), home mtgs (21%), securities (16%), comm loans (12%), home eq lns (7%), cash (2%), 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
Hyannis, MA
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Bank
Raynham, MA
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Bank