Climate First Bank
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Very Weak overall stability index (0.3 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 1.2 has resulted in Good (5.5) profitability.
Other Rating Factors:
Weak liquidity 2.1, driven by a liquidity ratio of 12.4 percent and a “hot money” ratio of 26.8 percent. A current level of 1.1 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.0).
Asset Mix:
Comm re (26%), comm loans (23%), consumer loans (17%), cash (11%), home mtgs (10%), home eq lns (1%), securities (0%), other (11%)
States with Branches:
FL
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)
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Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Climate First Bancorp, Inc.
Investment Rating
--
Address
182 37th Ave N
Saint Petersburg, FL 33704
Saint Petersburg, FL 33704
Phone Number
(727) 335-0734
Year Founded
FDIC Number
Website
Largest Affiliates
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