bankESB
Major Rating Factors:
Excellent current capitalization (8.2 on a scale of 0 to 10) based on a risk-based capital ratio of 13.2 and a capital leverage ratio of 9.8. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.9 on a scale of 0 to 10).
Other Rating Factors:
A current level of 12.4 percent of nonperforming loans to core capital combined with 17.0 percent from a year earlier contributes to the Fair asset quality (4.8). Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.5 has resulted in Weak (2.8) profitability.
Asset Mix:
Comm re (31%), home mtgs (28%), securities (10%), comm loans (9%), cash (5%), home eq lns (2%), other (14%)
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
There are no affiliate to display.