Major Rating Factors:
A current level of 15.5 percent of nonperforming loans to core capital combined with 6.4 percent from a year earlier contributes to the Fair asset quality (3.2).
Other Rating Factors:
Weak liquidity 2.0, driven by a liquidity ratio of 13.7 percent and a “hot money” ratio of 22.2 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.3 on a scale of 0 to 10).
Asset Mix:
Comm re (39%), home mtgs (20%), securities (14%), comm loans (10%), home eq lns (5%), cash (3%), consumer loans (1%), other (8%)
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
Hometown Bancorp, Inc.
Investment Rating
--
Address
142 North Water Street
Kent, OH 44240
Kent, OH 44240
Phone Number
(330) 673-9827
Year Founded
1898
FDIC Number
Website
Largest Affiliates
No affiliate information available.