Major Rating Factors:
A current level of 3.4 percent of nonperforming loans to core capital combined with 4.8 percent from a year earlier contributes to the Excellent asset quality (7.5). Excellent current capitalization (7.3 on a scale of 0 to 10) based on a risk-based capital ratio of 12.3 and a capital leverage ratio of 9.2.
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 (5.5 on a scale of 0 to 10). Fair liquidity 3.1, driven by a liquidity ratio of 14.8 percent and a “hot money” ratio of 24.6 percent.
Asset Mix:
Home mtgs (35%), comm re (22%), securities (14%), home eq lns (5%), consumer loans (5%), comm loans (4%), cash (3%), other (14%)
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
Holyoke, MA
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Bank