Major Rating Factors:
A current level of 6.5 percent of nonperforming loans to core capital combined with 3.7 percent from a year earlier contributes to the Fair asset quality (4.5). Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.0 has resulted in Fair (4.4) profitability.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.8 on a scale of 0 to 10). Good current capitalization (5.9 on a scale of 0 to 10) based on a risk-based capital ratio of 13.1 and a capital leverage ratio of 7.9.
Asset Mix:
Securities (25%), home mtgs (24%), comm re (13%), consumer loans (12%), comm loans (5%), cash (3%), home eq lns (1%), other (17%)
States with Branches:
MA, NY, PA, VT
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
Community Financial System, Inc.
Investment Rating
Address
45-49 Court Street
Canton, NY 13617
Canton, NY 13617
Phone Number
(315) 445-2282
Year Founded
1866
FDIC Number
Website
Largest Affiliates
No affiliate information available.