Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 11.6. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.7 on a scale of 0 to 10).
Other Rating Factors:
A current level of 5.9 percent of nonperforming loans to core capital combined with 2.1 percent from a year earlier contributes to the Good asset quality (6.3). Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.7 has resulted in Fair (3.9) profitability.
Asset Mix:
Comm re (36%), securities (16%), home mtgs (14%), comm loans (5%), home eq lns (3%), cash (2%), consumer loans (0%), other (24%)
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
Webfive MHC
Investment Rating
--
Address
35 Millbury Street
Auburn, MA 01501
Auburn, MA 01501
Phone Number
(800) 696-9401
Year Founded
1868
FDIC Number
Website
Largest Affiliates
No affiliate information available.