bankESB
Major Rating Factors:
A current level of 16.1 percent of nonperforming loans to core capital combined with 7.1 percent from a year earlier contributes to the Fair asset quality (4.0). Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.6 has resulted in Fair (3.4) profitability.
Other Rating Factors:
Excellent current capitalization (8.5 on a scale of 0 to 10) based on a risk-based capital ratio of 13.0 and a capital leverage ratio of 10.0. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.6 on a scale of 0 to 10).
Asset Mix:
Comm re (31%), home mtgs (28%), securities (10%), comm loans (9%), cash (3%), home eq lns (2%), other (17%)
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
Hometown Financial Group MHC
Investment Rating
--
Address
36 Main Street
Easthampton, MA 01027
Easthampton, MA 01027
Phone Number
(855) 527-4111
Year Founded
1869
FDIC Number
Website
Largest Affiliates
Oxford, MA
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Bank