Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.8 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.6 has resulted in Fair (3.1) profitability.
Other Rating Factors:
Weak liquidity 2.0, driven by a liquidity ratio of 13.0 percent and a “hot money” ratio of 21.2 percent. A current level of 15.0 percent of nonperforming loans to core capital combined with 29.6 percent from a year earlier contributes to the Fair asset quality (3.9).
Asset Mix:
Home mtgs (29%), comm re (21%), securities (20%), comm loans (11%), cash (3%), home eq lns (3%), consumer loans (3%), other (11%)
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
Community Bankers' Corporation
Investment Rating
Address
1271 Indian Springs Road
Indiana, PA 15701
Indiana, PA 15701
Phone Number
(724) 464-2241
Year Founded
1905
FDIC Number
Website
Largest Affiliates
No affiliate information available.