Major Rating Factors:
A current level of 3.7 percent of nonperforming loans to core capital combined with 2.0 percent from a year earlier contributes to the Excellent asset quality (8.2). Excellent current capitalization (7.9 on a scale of 0 to 10) based on a risk-based capital ratio of 12.9 and a capital leverage ratio of 9.6.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.9 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.5 has resulted in Weak (2.6) profitability.
Asset Mix:
Home mtgs (37%), comm re (27%), securities (8%), cash (5%), home eq lns (4%), comm loans (4%), consumer loans (2%), other (13%)
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
PeoplesBancorp, MHC
Investment Rating
--
Address
176 Main Street
Spencer, MA 01562
Spencer, MA 01562
Phone Number
(508) 421-8070
Year Founded
1871
FDIC Number
Website
Largest Affiliates
No affiliate information available.