Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 47.8 and a capital leverage ratio of 20.5. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.8 on a scale of 0 to 10).
Other Rating Factors:
A current level of 3.7 percent of nonperforming loans to core capital combined with 5.3 percent from a year earlier contributes to the Excellent asset quality (7.3). Fair liquidity 3.5, driven by a liquidity ratio of 56.5 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Home mtgs (48%), cash (23%), securities (18%), other (11%)
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
290 West Park Street
Rochester, PA 15074
Rochester, PA 15074
Phone Number
(724) 774-4970
Year Founded
1894
FDIC Number
Largest Affiliates
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