Major Rating Factors:
A current level of 25.2 percent of nonperforming loans to core capital combined with 2.3 percent from a year earlier contributes to the Weak asset quality (2.2). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.6 on a scale of 0 to 10).
Other Rating Factors:
Very Weak liquidity 0.1, driven by a liquidity ratio of 10.1 percent and a “hot money” ratio of 52.9 percent. Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.0 has resulted in Fair (4.9) profitability.
Asset Mix:
Home mtgs (40%), comm re (20%), comm loans (10%), cash (9%), home eq lns (4%), consumer loans (1%), other (17%)
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
Strasburg Bancorp Inc.
Investment Rating
--
Address
152 North Wooster Avenue
Strasburg, OH 44680
Strasburg, OH 44680
Phone Number
(330) 878-5555
Year Founded
1924
FDIC Number
Website
Largest Affiliates
No affiliate information available.