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). A current level of 3.0 percent of nonperforming loans to core capital combined with 2.5 percent from a year earlier contributes to the Good asset quality (7.0).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 13.5. Operating profits as a percentage of assets at 2.2%, coupled with a return on assets of 2.2 has resulted in Excellent (9.4) profitability.
Asset Mix:
Home mtgs (23%), consumer loans (13%), comm loans (13%), securities (10%), comm re (7%), cash (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
201 East Broadway
Allen, OK 74825
Allen, OK 74825
Phone Number
(580) 857-2402
Year Founded
1922
FDIC Number
Website
Largest Affiliates
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