Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.5 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (9.0 on a scale of 0 to 10) and a capital leverage ratio of 10.4. A current level of 3.6 percent of nonperforming loans to core capital combined with 8.5 percent from a year earlier contributes to the Excellent asset quality (7.4).
Asset Mix:
Home mtgs (58%), securities (25%), cash (7%), consumer loans (2%), home eq lns (1%), comm re (0%), other (7%)
States with Branches:
PA
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
361 First Street
Conemaugh, PA 15909
Conemaugh, PA 15909
Phone Number
(814) 535-7658
Year Founded
1915
FDIC Number
Website
Largest Affiliates
No affiliate information available.