Major Rating Factors:
Operating profits as a percentage of assets at 0.2%, coupled with a return on assets of 0.2 has resulted in Weak (1.8) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.9 on a scale of 0 to 10).
Other Rating Factors:
Very Weak liquidity 0.1, driven by a liquidity ratio of 6.0 percent and a “hot money” ratio of 39.1 percent. A current level of 6.8 percent of nonperforming loans to core capital combined with 3.7 percent from a year earlier contributes to the Good asset quality (5.2).
Asset Mix:
Home mtgs (36%), comm re (29%), securities (9%), comm loans (7%), consumer loans (2%), cash (2%), home eq lns (1%), other (14%)
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
CCCB Bancorp, Inc.
Investment Rating
Address
333 West Main Street
Clarion, PA 16214
Clarion, PA 16214
Phone Number
(814) 226-6000
Year Founded
2004
FDIC Number
Website
Largest Affiliates
No affiliate information available.