Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 16.1. A current level of 2.8 percent of nonperforming loans to core capital combined with 3.1 percent from a year earlier contributes to the Excellent asset quality (8.5).
Other 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 (6.7 on a scale of 0 to 10). Fair liquidity 4.2, driven by a liquidity ratio of 41.8 percent and a “hot money” ratio of 13.2 percent.
Asset Mix:
Home mtgs (35%), securities (33%), cash (11%), consumer loans (5%), home eq lns (2%), comm re (2%), comm loans (2%), other (10%)
States with Branches:
OH
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
Liberty Federal Bancorp, MHC
Investment Rating
--
Address
314 Park Avenue
Ironton, OH 45638
Ironton, OH 45638
Phone Number
(740) 532-2856
Year Founded
1896
FDIC Number
Website
Largest Affiliates
No affiliate information available.