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 (3.7 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.1 has resulted in Fair (4.1) profitability.
Other Rating Factors:
Very Weak liquidity 0.1, driven by a liquidity ratio of 10.1 percent and a “hot money” ratio of 39.6 percent. A current level of 7.4 percent of nonperforming loans to core capital contributes to the Good asset quality (5.6).
Asset Mix:
Comm re (32%), home mtgs (23%), cash (6%), comm loans (4%), home eq lns (2%), securities (2%), other (31%)
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
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