Major 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 (4.6 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.4%, coupled with a return on assets of 0.3 has resulted in Weak (2.1) profitability.
Other Rating Factors:
Excellent current capitalization (7.2 on a scale of 0 to 10) based on a risk-based capital ratio of 17.9 and a capital leverage ratio of 9.1. A current level of 4.7 percent of nonperforming loans to core capital combined with 4.4 percent from a year earlier contributes to the Good asset quality (6.6).
Asset Mix:
Home mtgs (42%), securities (20%), comm re (17%), cash (10%), comm loans (1%), home eq lns (1%), consumer loans (1%), other (7%)
States with Branches:
NY
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
NBC Bancorp, Inc.
Investment Rating
Address
3-7 Reed Street
Coxsackie, NY 12051
Coxsackie, NY 12051
Phone Number
(518) 731-6161
Year Founded
1852
FDIC Number
Website
Largest Affiliates
No affiliate information available.