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 (4.1 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.0%, coupled with a return on assets of 0.0 has resulted in Weak (1.7) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 23.4 and a capital leverage ratio of 11.0. A current level of 2.3 percent of nonperforming loans to core capital combined with 4.5 percent from a year earlier contributes to the Excellent asset quality (8.8).
Asset Mix:
Home mtgs (37%), securities (34%), comm re (9%), comm loans (4%), cash (3%), consumer loans (3%), home eq lns (2%), other (9%)
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
Peoples Bancshares of Gambier Inc.
Investment Rating
--
Address
103 East Wiggin Street
Gambier, OH 43022
Gambier, OH 43022
Phone Number
(740) 427-2101
Year Founded
1920
FDIC Number
Website
Largest Affiliates
No affiliate information available.