Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 13.1. A current level of 0.7 percent of nonperforming loans to core capital combined with 4.0 percent from a year earlier contributes to the Excellent asset quality (8.5).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.9 on a scale of 0 to 10). Fair liquidity 3.4, driven by a liquidity ratio of 41.3 percent and a “hot money” ratio of 9.4 percent.
Asset Mix:
Comm loans (33%), cash (31%), comm re (25%), securities (4%), home mtgs (1%), other (6%)
States with Branches:
CT
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
Associated Community Bancorp, Inc.
Investment Rating
--
Address
605 West Avenue
Norwalk, CT 06850
Norwalk, CT 06850
Phone Number
(203) 256-0072
Year Founded
1998
FDIC Number
Website
Largest Affiliates
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