The Community Bank
Major Rating Factors:
Excellent current capitalization (8.7 on a scale of 0 to 10) based on a risk-based capital ratio of 17.1 and a capital leverage ratio of 10.1. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.6 on a scale of 0 to 10).
Other Rating Factors:
A current level of 2.5 percent of nonperforming loans to core capital combined with 4.6 percent from a year earlier contributes to the Good asset quality (6.5). Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.1 has resulted in Good (5.3) profitability.
Asset Mix:
Home mtgs (31%), comm re (17%), securities (14%), consumer loans (7%), comm loans (5%), home eq lns (4%), cash (3%), other (19%)
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
CommunityBanc, Inc.
Investment Rating
--
Address
113 North Fifth Street
Zanesville, OH 43701
Zanesville, OH 43701
Phone Number
(740) 454-1600
Year Founded
1902
FDIC Number
Website
Largest Affiliates
No affiliate information available.