Major Rating Factors:
Operating profits as a percentage of assets at 0.4%, coupled with a return on assets of 0.3 has resulted in Weak (2.3) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10).
Other Rating Factors:
Very Weak liquidity 0.1, driven by a liquidity ratio of 13.5 percent and a “hot money” ratio of 38.7 percent. A current level of 3.4 percent of nonperforming loans to core capital contributes to the Good asset quality (6.0).
Asset Mix:
Comm re (32%), home mtgs (12%), comm loans (11%), cash (10%), home eq lns (7%), securities (3%), consumer loans (0%), other (26%)
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
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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
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Address
555 Metro Place North
Dublin, OH 43017
Dublin, OH 43017
Phone Number
(614) 482-1300
Year Founded
2021
FDIC Number
Website
Largest Affiliates
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