C
Firstrust Savings Bank
Rating Date
October 2025
Risk Based
Capital Ratio
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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 (5.0 on a scale of 0 to 10). A current level of 4.9 percent of nonperforming loans to core capital combined with 4.4 percent from a year earlier contributes to the Good asset quality (6.2).
Other Rating Factors: Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 13.7 and a capital leverage ratio of 11.8. Operating profits as a percentage of assets at 2.1%, coupled with a return on assets of 2.0 has resulted in Excellent (8.2) profitability.
Asset Mix: Comm re (27%), comm loans (23%), home mtgs (15%), securities (8%), cash (6%), consumer loans (4%), home eq lns (2%), other (15%)
States with Branches: MD, NJ, PA
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
Liquidity
Liquidity Ratio
Hot Money
Corporate Info
Group Affiliation
Semperverde Holding Co
Investment Rating
--
Address
15 East Ridge Pike
Conshohocken, PA 19428
Phone Number
(610) 238-5001
Year Founded
1934
FDIC Number
Largest Affiliates
C
San Marcos, CA - Bank