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 (5.3 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 23.0 and a capital leverage ratio of 12.3. A current level of 0.4 percent of nonperforming loans to core capital combined with 0.4 percent from a year earlier contributes to the Excellent asset quality (7.9).
Asset Mix:
Securities (27%), home mtgs (19%), comm re (17%), cash (14%), consumer loans (3%), comm loans (2%), other (18%)
States with Branches:
NY
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
Vecta Partners LLC
Investment Rating
--
Address
56 Main Street
Irvington, NY 10533
Irvington, NY 10533
Phone Number
(914) 591-8000
Year Founded
1930
FDIC Number
Website
Largest Affiliates
No affiliate information available.