Major Rating Factors:
A current level of 7.4 percent of nonperforming loans to core capital combined with 6.9 percent from a year earlier contributes to the Fair asset quality (3.2). Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.4 has resulted in Weak (2.8) profitability.
Other Rating Factors:
Excellent current capitalization (8.9 on a scale of 0 to 10) based on a risk-based capital ratio of 13.8 and a capital leverage ratio of 10.3. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10).
Asset Mix:
Consumer loans (37%), comm loans (24%), cash (11%), securities (10%), comm re (6%), home mtgs (4%), home eq lns (1%), other (7%)
States with Branches:
MD
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
Cecil Bancorp, Inc.
Investment Rating
--
Address
127 North Street
Elkton, MD 21921
Elkton, MD 21921
Phone Number
(410) 398-1650
Year Founded
1959
FDIC Number
Website
Largest Affiliates
No affiliate information available.