Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 15.1 and a capital leverage ratio of 11.2. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.9 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.1 has resulted in Good (6.3) profitability. A current level of 17.3 percent of nonperforming loans to core capital combined with 2.0 percent from a year earlier contributes to the Fair asset quality (4.3).
Asset Mix:
Comm re (33%), home mtgs (29%), securities (11%), cash (4%), home eq lns (3%), comm loans (2%), other (17%)
States with Branches:
CT, 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
Hometown Financial Group MHC
Investment Rating
--
Address
31 Sutton Avenue
Oxford, MA 01540
Oxford, MA 01540
Phone Number
(888) 307-5887
Year Founded
1889
FDIC Number
Website