bankESB
Major Rating Factors:
A current level of 18.2 percent of nonperforming loans to core capital combined with 1.4 percent from a year earlier contributes to the Fair asset quality (3.8). Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.5 has resulted in Weak (1.6) profitability.
Other Rating Factors:
Excellent current capitalization (8.2 on a scale of 0 to 10) based on a risk-based capital ratio of 12.7 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 (6.7 on a scale of 0 to 10).
Asset Mix:
Comm re (31%), home mtgs (26%), securities (10%), comm loans (9%), cash (4%), home eq lns (2%), other (18%)
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