Major Rating Factors:
A current level of 10.1 percent of nonperforming loans to core capital combined with 2.7 percent from a year earlier contributes to the Fair asset quality (4.4). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 on a scale of 0 to 10).
Other Rating Factors:
Good current capitalization (6.3 on a scale of 0 to 10) based on a risk-based capital ratio of 11.4 and a capital leverage ratio of 8.3. Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 1.4 has resulted in Good (5.8) profitability.
Asset Mix:
Home mtgs (24%), comm re (19%), securities (15%), comm loans (8%), cash (5%), consumer loans (3%), home eq lns (2%), other (24%)
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
638 East Pitt Street
Bedford, PA 15522
Bedford, PA 15522
Phone Number
(814) 623-6093
Year Founded
2007
FDIC Number
Website
Largest Affiliates
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