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 (5.0 on a scale of 0 to 10). A current level of 2.3 percent of nonperforming loans to core capital combined with 11.5 percent from a year earlier contributes to the Good asset quality (6.1).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 13.0. Operating profits as a percentage of assets at 1.9%, coupled with a return on assets of 1.8 has resulted in Excellent (8.4) profitability.
Asset Mix:
Comm re (16%), cash (11%), comm loans (10%), home mtgs (10%), securities (9%), consumer loans (2%), other (42%)
States with Branches:
OK
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
Cowboy Bancshares, LLC
Investment Rating
--
Address
102 Sixth Street
Kremlin, OK 73753
Kremlin, OK 73753
Phone Number
(580) 874-2244
Year Founded
1900
FDIC Number
Website
Largest Affiliates
No affiliate information available.