North Brookfield Savings Bank
Major Rating Factors:
Excellent current capitalization (9.5 on a scale of 0 to 10) and a capital leverage ratio of 10.6. A current level of 1.1 percent of nonperforming loans to core capital combined with 2.0 percent from a year earlier contributes to the Excellent asset quality (8.6).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.9 on a scale of 0 to 10). Weak liquidity 2.8, driven by a liquidity ratio of 18.3 percent and a “hot money” ratio of 20.8 percent.
Asset Mix:
Home mtgs (40%), securities (25%), comm re (13%), comm loans (5%), cash (3%), home eq lns (2%), consumer loans (1%), other (11%)
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
TruNorth Bancorp, MHC
Investment Rating
--
Address
35 Summer Street
North Brookfield, MA 01535
North Brookfield, MA 01535
Phone Number
(508) 867-7442
Year Founded
1854
FDIC Number
Largest Affiliates
No affiliate information available.