Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 19.3 and a capital leverage ratio of 12.8. Operating profits as a percentage of assets at 2.2%, coupled with a return on assets of 1.8 has resulted in Excellent (9.4) profitability.
Other Rating Factors:
A current level of 3.7 percent of nonperforming loans to core capital combined with 3.0 percent from a year earlier contributes to the Excellent asset quality (7.2). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10).
Asset Mix:
Comm re (23%), cash (16%), home mtgs (15%), securities (14%), consumer loans (7%), comm loans (5%), other (20%)
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
Commerce Bancshares, Inc.
Investment Rating
--
Address
322 West Sixth Street
Chelsea, OK 74016
Chelsea, OK 74016
Phone Number
(918) 789-2567
Year Founded
1896
FDIC Number
Website
Largest Affiliates
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