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 2.0 percent of nonperforming loans to core capital combined with 1.8 percent from a year earlier contributes to the Excellent asset quality (7.4).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 35.8. Operating profits as a percentage of assets at 3.6%, coupled with a return on assets of 3.6 has resulted in Excellent (10.0) profitability.
Asset Mix:
Comm re (39%), home mtgs (32%), cash (15%), comm loans (0%), other (13%)
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
SV Bancorp, Inc.
Investment Rating
--
Address
1206 Springfield Pike
Wyoming, OH 45215
Wyoming, OH 45215
Phone Number
(513) 761-6688
Year Founded
1997
FDIC Number
Website
Largest Affiliates
No affiliate information available.