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 (5.2 on a scale of 0 to 10).
Other Rating Factors:
A current level of 1.3 percent of nonperforming loans to core capital combined with 0.2 percent from a year earlier contributes to the Excellent asset quality (8.5). Excellent current capitalization (7.1 on a scale of 0 to 10) based on a risk-based capital ratio of 14.3 and a capital leverage ratio of 9.1.
Asset Mix:
Home mtgs (33%), comm re (24%), securities (10%), comm loans (9%), cash (8%), home eq lns (2%), consumer loans (0%), other (15%)
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
80 Montvale Avenue
Stoneham, MA 02180
Stoneham, MA 02180
Phone Number
(781) 438-0430
Year Founded
1887
FDIC Number
Website
Largest Affiliates
No affiliate information available.