Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (5.0 on a scale of 0 to 10). A current level of 1.0 percent of nonperforming loans to core capital combined with 1.4 percent from a year earlier contributes to the Excellent asset quality (8.7).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 17.2 and a capital leverage ratio of 12.5. Operating profits as a percentage of assets at 2.2%, coupled with a return on assets of 1.6 has resulted in Excellent (8.9) profitability.
Asset Mix:
Comm re (34%), home mtgs (17%), securities (10%), cash (8%), home eq lns (5%), comm loans (4%), consumer loans (0%), other (21%)
States with Branches:
MD
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
HSB Bancorp, Inc.
Investment Rating
--
Address
101 North Main Street
Hebron, MD 21830
Hebron, MD 21830
Phone Number
(410) 749-1185
Year Founded
1910
FDIC Number
Website
Largest Affiliates
No affiliate information available.