Brattleboro Savings & Loan Association
Major Rating Factors:
Excellent current capitalization (8.9 on a scale of 0 to 10) based on a risk-based capital ratio of 17.1 and a capital leverage ratio of 10.3. A current level of 6.5 percent of nonperforming loans to core capital combined with 1.5 percent from a year earlier contributes to the Good asset quality (6.6).
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 (5.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.8 has resulted in Fair (3.9) profitability.
Asset Mix:
Home mtgs (37%), comm re (28%), securities (12%), cash (8%), home eq lns (3%), comm loans (3%), consumer loans (0%), other (8%)
States with Branches:
VT
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
221 Main Street
Brattleboro, VT 05301
Brattleboro, VT 05301
Phone Number
(802) 254-5333
Year Founded
1912
FDIC Number
Website
Largest Affiliates
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