Major Rating Factors:
Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.5 has resulted in Weak (2.4) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.0 on a scale of 0 to 10).
Other Rating Factors:
A current level of 1.1 percent of nonperforming loans to core capital combined with 1.4 percent from a year earlier contributes to the Excellent asset quality (9.3). Excellent current capitalization (7.6 on a scale of 0 to 10) and a capital leverage ratio of 9.4.
Asset Mix:
Home mtgs (63%), securities (10%), home eq lns (7%), cash (6%), comm re (4%), comm loans (4%), consumer loans (2%), other (4%)
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
Investment Rating
--
Address
950 Park Street
Stoughton, MA 02072
Stoughton, MA 02072
Phone Number
(781) 344-3080
Year Founded
1886
FDIC Number
Website
Largest Affiliates
No affiliate information available.