Major 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 (6.6 on a scale of 0 to 10) based on a risk-based capital ratio of 12.9 and a capital leverage ratio of 8.6.
Other Rating Factors:
Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.2 has resulted in Good (5.1) profitability. A current level of 7.8 percent of nonperforming loans to core capital combined with 4.3 percent from a year earlier contributes to the Fair asset quality (4.5).
Asset Mix:
Comm re (21%), home mtgs (20%), securities (12%), cash (8%), consumer loans (8%), comm loans (5%), home eq lns (2%), other (24%)
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
NexTier Incorporated
Investment Rating
--
Address
101 East Diamond Street
Butler, PA 16001
Butler, PA 16001
Phone Number
(724) 543-1125
Year Founded
1897
FDIC Number
Website
Largest Affiliates
No affiliate information available.