Major Rating Factors:
Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.5 has resulted in Weak (2.0) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.1 on a scale of 0 to 10).
Other Rating Factors:
Very Weak liquidity 0.1, driven by a liquidity ratio of 10.1 percent and a “hot money” ratio of 38.2 percent. A current level of 0.0 percent of nonperforming loans to core capital combined with 0.0 percent from a year earlier contributes to the Excellent asset quality (7.6).
Asset Mix:
Comm re (31%), home mtgs (24%), cash (4%), comm loans (3%), securities (2%), home eq lns (2%), other (33%)
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
Investment Rating
--
Address
2106 East Main Street
Bexley, OH 43209
Bexley, OH 43209
Phone Number
(614) 697-1000
Year Founded
2019
FDIC Number
Website
Largest Affiliates
No affiliate information available.