Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.1 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.0%, coupled with a return on assets of 0.0 has resulted in Very Weak (0.6) profitability.
Other Rating Factors:
A current level of 0.5 percent of nonperforming loans to core capital combined with 0.5 percent from a year earlier contributes to the Excellent asset quality (9.9). Good current capitalization (6.3 on a scale of 0 to 10) based on a risk-based capital ratio of 20.9 and a capital leverage ratio of 8.3.
Asset Mix:
Home mtgs (58%), cash (21%), securities (12%), home eq lns (2%), consumer loans (1%), comm re (0%), other (6%)
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
102 South Street
Wrentham, MA 02093
Wrentham, MA 02093
Phone Number
(508) 384-6101
Year Founded
1901
FDIC Number
Website
Largest Affiliates
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