Major Rating Factors:
Excellent current capitalization (8.9 on a scale of 0 to 10) and a capital leverage ratio of 10.3. A current level of 1.2 percent of nonperforming loans to core capital combined with 3.2 percent from a year earlier contributes to the Excellent asset quality (7.0).
Other 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 (3.4 on a scale of 0 to 10). Fair liquidity 3.4, driven by a liquidity ratio of 30.9 percent and a “hot money” ratio of 9.4 percent.
Asset Mix:
Securities (33%), consumer loans (26%), home mtgs (14%), comm re (7%), comm loans (5%), home eq lns (5%), cash (1%), other (9%)
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
FNB, Inc.
Investment Rating
Address
105 Grant Street
Dennison, OH 44621
Dennison, OH 44621
Phone Number
(740) 922-2532
Year Founded
1933
FDIC Number
Website
Largest Affiliates
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