Major Rating Factors:
Excellent current capitalization (8.0 on a scale of 0 to 10) based on a risk-based capital ratio of 16.2 and a capital leverage ratio of 9.7. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.9 on a scale of 0 to 10).
Other Rating Factors:
A current level of 14.0 percent of nonperforming loans to core capital combined with 3.5 percent from a year earlier contributes to the Good asset quality (5.0). Fair liquidity 4.2, driven by a liquidity ratio of 24.0 percent and a “hot money” ratio of 18.9 percent.
Asset Mix:
Comm re (25%), securities (23%), home mtgs (20%), cash (12%), comm loans (4%), home eq lns (1%), consumer loans (0%), other (15%)
States with Branches:
PA
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
First Keystone Corporation
Investment Rating
Address
111 West Front Street
Berwick, PA 18603
Berwick, PA 18603
Phone Number
(570) 752-3671
Year Founded
1864
FDIC Number
Website
Largest Affiliates
There are no affiliate to display.