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 (5.5 on a scale of 0 to 10).
Other Rating Factors:
Weak liquidity 1.1, driven by a liquidity ratio of 34.2 percent and a “hot money” ratio of 12.2 percent. A current level of 3.7 percent of nonperforming loans to core capital combined with 0.6 percent from a year earlier contributes to the Excellent asset quality (9.4).
Asset Mix:
Home mtgs (70%), cash (24%), securities (2%), consumer loans (1%), other (3%)
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
Investment Rating
--
Address
114 South Main Street
Cadiz, OH 43907
Cadiz, OH 43907
Phone Number
(740) 942-2092
Year Founded
1873
FDIC Number
Website
Largest Affiliates
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