Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.8 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (7.4 on a scale of 0 to 10) based on a net capital to total assets of 9.7 and a net worth ratio of 9.9. A current level of 10.1 percent of nonperforming loans to core capital combined with 7.3 percent from a year earlier contributes to the Good asset quality (6.2).
Asset Mix:
Consumer loans (33%), home mtgs (20%), securities (19%), other (28%)
Largest Competitors
Rochester, NY
Rochester, NY
Rochester, NY
Rochester, NY
Rochester, NY