Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.7 on a scale of 0 to 10). A current level of 5.6 percent of nonperforming loans to core capital combined with 6.8 percent from a year earlier contributes to the Good asset quality (5.1).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 21.4 and a capital leverage ratio of 13.6. Operating profits as a percentage of assets at 1.8%, coupled with a return on assets of 1.4 has resulted in Excellent (7.8) profitability.
Asset Mix:
Comm loans (30%), cash (22%), comm re (19%), consumer loans (11%), home mtgs (11%), securities (1%), other (7%)
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
MSB Capital Corporation
Investment Rating
--
Address
101 South Main Street
De Graff, OH 43318
De Graff, OH 43318
Phone Number
(937) 585-5861
Year Founded
1889
FDIC Number
Website
Largest Affiliates
No affiliate information available.