Bank of Bird-in-Hand
Major Rating Factors:
Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.8 has resulted in Fair (4.0) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.3 on a scale of 0 to 10).
Other Rating Factors:
A current level of 1.8 percent of nonperforming loans to core capital combined with 0.1 percent from a year earlier contributes to the Excellent asset quality (8.7). Excellent current capitalization (7.9 on a scale of 0 to 10) based on a risk-based capital ratio of 11.5 and a capital leverage ratio of 9.6.
Asset Mix:
Home mtgs (26%), comm re (17%), cash (8%), comm loans (6%), home eq lns (3%), other (40%)
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
GELT Bancorp, Inc.
Investment Rating
--
Address
309 North Ronks Road
Bird in Hand, PA 17505
Bird in Hand, PA 17505
Phone Number
(717) 929-2210
Year Founded
2013
FDIC Number
Website
Largest Affiliates
No affiliate information available.