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 (8.7 on a scale of 0 to 10). Excellent current capitalization (8.0 on a scale of 0 to 10) based on a risk-based capital ratio of 13.3 and a capital leverage ratio of 9.6.
Other Rating Factors:
Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 1.4 has resulted in Good (6.5) profitability. A current level of 15.1 percent of nonperforming loans to core capital combined with 11.6 percent from a year earlier contributes to the Fair asset quality (3.6).
Asset Mix:
Comm re (21%), home mtgs (20%), securities (13%), consumer loans (9%), comm loans (6%), cash (6%), 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
FDIC Number
Website
Largest Affiliates
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