Major Rating Factors:
Excellent current capitalization (7.1 on a scale of 0 to 10) based on a risk-based capital ratio of 14.1 and a capital leverage ratio of 9.1. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.8 on a scale of 0 to 10).
Other Rating Factors:
A current level of 3.5 percent of nonperforming loans to core capital contributes to the Good asset quality (5.8). Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.2 has resulted in Good (5.3) profitability.
Asset Mix:
Comm loans (31%), securities (22%), cash (16%), comm re (13%), home mtgs (6%), home eq lns (2%), consumer loans (0%), other (9%)
States with Branches:
OH
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
OSB Bancorp, Inc.
Investment Rating
--
Address
275 West Main Street
Osgood, OH 45351
Osgood, OH 45351
Phone Number
(419) 582-2681
Year Founded
1915
FDIC Number
Website
Largest Affiliates
No affiliate information available.