Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 16.7. Operating profits as a percentage of assets at 2.9%, coupled with a return on assets of 2.2 has resulted in Excellent (10.0) profitability.
Other Rating Factors:
A current level of 0.5 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.2). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (7.0 on a scale of 0 to 10).
Asset Mix:
Home mtgs (41%), securities (18%), cash (9%), home eq lns (8%), comm re (5%), consumer loans (4%), comm loans (3%), other (11%)
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
Third Street Bancshares, Inc.
Investment Rating
--
Address
115 Third Street
Marietta, OH 45750
Marietta, OH 45750
Phone Number
(740) 373-9200
Year Founded
1999
FDIC Number
Website
Largest Affiliates
No affiliate information available.