Major Rating Factors:
A current level of 4.5 percent of nonperforming loans to core capital combined with 3.2 percent from a year earlier contributes to the Excellent asset quality (7.9). Excellent current capitalization (7.7 on a scale of 0 to 10) based on a risk-based capital ratio of 13.1 and a capital leverage ratio of 9.5.
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 (5.7 on a scale of 0 to 10). Weak liquidity 2.6, driven by a liquidity ratio of 13.0 percent and a “hot money” ratio of 25.9 percent.
Asset Mix:
Home mtgs (39%), comm re (27%), securities (8%), home eq lns (4%), comm loans (4%), cash (3%), 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
230 Park Avenue
Worcester, MA 01609
Worcester, MA 01609
Phone Number
(508) 421-8070
Year Founded
1871
FDIC Number
Website
Largest Affiliates
No affiliate information available.