Major Rating Factors:
Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.8 has resulted in Fair (4.1) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.7 on a scale of 0 to 10).
Other Rating Factors:
A current level of 0.7 percent of nonperforming loans to core capital combined with 1.1 percent from a year earlier contributes to the Excellent asset quality (8.8). Excellent current capitalization (8.2 on a scale of 0 to 10) and a capital leverage ratio of 9.8.
Asset Mix:
Home mtgs (34%), comm re (19%), securities (9%), cash (6%), home eq lns (6%), comm loans (5%), consumer loans (0%), other (20%)
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
Monson Financial Services MHC
Investment Rating
--
Address
146 Main Street
Monson, MA 01057
Monson, MA 01057
Phone Number
(413) 267-4646
Year Founded
1872
FDIC Number
Website
Largest Affiliates
No affiliate information available.