Major Rating Factors:
Excellent current capitalization (7.8 on a scale of 0 to 10) based on a risk-based capital ratio of 14.0 and a capital leverage ratio of 9.5. A current level of 7.5 percent of nonperforming loans to core capital combined with 1.3 percent from a year earlier contributes to the Good asset quality (6.7).
Other 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 (6.1 on a scale of 0 to 10). Fair liquidity 3.0, driven by a liquidity ratio of 14.1 percent and a “hot money” ratio of 19.4 percent.
Asset Mix:
Home mtgs (29%), comm re (17%), securities (17%), cash (6%), comm loans (5%), home eq lns (4%), consumer loans (1%), other (21%)
States with Branches:
MA
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
Mutual Bancorp.
Investment Rating
--
Address
756 Orchard Street
Raynham, MA 02767
Raynham, MA 02767
Phone Number
(508) 884-5567
Year Founded
1872
FDIC Number
Website
Largest Affiliates
Hyannis, MA
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Bank
Leominster, MA
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Bank