Major Rating Factors:
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). Good current capitalization (6.0 on a scale of 0 to 10) based on a risk-based capital ratio of 11.1 and a capital leverage ratio of 8.0.
Other Rating Factors:
A current level of 3.6 percent of nonperforming loans to core capital combined with 1.8 percent from a year earlier contributes to the Good asset quality (5.3). Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.0 has resulted in Good (5.1) profitability.
Asset Mix:
Comm re (19%), home mtgs (19%), home eq lns (14%), consumer loans (14%), securities (6%), comm loans (5%), cash (2%), other (22%)
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
Penns Woods Bancorp, Inc.
Investment Rating
--
Address
118 Main Street
Luzerne, PA 18709
Luzerne, PA 18709
Phone Number
(570) 288-4511
Year Founded
1907
FDIC Number
Website
Largest Affiliates
Williamsport, PA
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Bank