The First State Bank
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 (4.3 on a scale of 0 to 10). Operating profits as a percentage of assets at 2.2%, coupled with a return on assets of 2.2 has resulted in Excellent (7.5) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 13.7. A current level of 0.3 percent of nonperforming loans to core capital combined with 4.3 percent from a year earlier contributes to the Excellent asset quality (8.4).
Asset Mix:
Home mtgs (32%), comm loans (13%), securities (9%), cash (7%), consumer loans (4%), comm re (4%), other (30%)
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
Investment Rating
--
Address
136 West Broadway Street
Pond Creek, OK 73766
Pond Creek, OK 73766
Phone Number
(580) 532-6611
Year Founded
1893
FDIC Number
Website
Largest Affiliates
No affiliate information available.