Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 42.4 and a capital leverage ratio of 16.5. A current level of 0.4 percent of nonperforming loans to core capital combined with 0.7 percent from a year earlier contributes to the Excellent asset quality (10.0).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.6 on a scale of 0 to 10). Good liquidity 5.1, driven by a liquidity ratio of 59.6 percent and a “hot money” ratio of 4.9 percent.
Asset Mix:
Securities (41%), home mtgs (37%), cash (9%), home eq lns (2%), comm loans (2%), comm re (1%), consumer loans (1%), other (7%)
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
First FedDelta Bancshares, MHC
Investment Rating
--
Address
404 Main Street
Delta, OH 43515
Delta, OH 43515
Phone Number
(419) 822-3131
Year Founded
1934
FDIC Number
Website
Largest Affiliates
No affiliate information available.