Major Rating Factors:
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. 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:
Excellent current capitalization (7.7 on a scale of 0 to 10) based on a risk-based capital ratio of 12.8 and a capital leverage ratio of 9.5. A current level of 5.9 percent of nonperforming loans to core capital combined with 2.0 percent from a year earlier contributes to the Good asset quality (6.7).
Asset Mix:
Home mtgs (30%), comm re (20%), securities (13%), consumer loans (8%), comm loans (8%), home eq lns (2%), cash (1%), 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
No affiliate information available.