Major Rating Factors:
Excellent current capitalization (9.1 on a scale of 0 to 10) based on a risk-based capital ratio of 17.8 and a capital leverage ratio of 10.4. Operating profits as a percentage of assets at 1.9%, coupled with a return on assets of 1.9 has resulted in Excellent (8.6) profitability.
Other Rating Factors:
A current level of 0.8 percent of nonperforming loans to core capital combined with 0.6 percent from a year earlier contributes to the Excellent asset quality (8.2). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10).
Asset Mix:
Securities (24%), home mtgs (20%), comm loans (11%), consumer loans (9%), comm re (9%), cash (6%), other (21%)
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
FSB Financial Corp.
Investment Rating
--
Address
106 North Dalton Avenue
Valliant, OK 74764
Valliant, OK 74764
Phone Number
(580) 933-4201
Year Founded
1911
FDIC Number
Website
Largest Affiliates
No affiliate information available.