Major Rating Factors:
Excellent current capitalization (7.4 on a scale of 0 to 10) based on a risk-based capital ratio of 13.0 and a capital leverage ratio of 9.3. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.4 on a scale of 0 to 10).
Other Rating Factors:
A current level of 4.5 percent of nonperforming loans to core capital combined with 2.8 percent from a year earlier contributes to the Good asset quality (6.3). Fair liquidity 3.2, driven by a liquidity ratio of 7.5 percent and a “hot money” ratio of 11.9 percent.
Asset Mix:
Home mtgs (30%), comm re (18%), securities (15%), consumer loans (9%), comm loans (7%), cash (2%), home eq lns (2%), other (18%)
States with Branches:
CT, 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
PeoplesBancorp, MHC
Investment Rating
--
Address
330 Whitney Avenue
Holyoke, MA 01040
Holyoke, MA 01040
Phone Number
(413) 538-9500
Year Founded
FDIC Number
Largest Affiliates
Spencer, MA
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Bank