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 (3.7 on a scale of 0 to 10). A current level of 0.6 percent of nonperforming loans to core capital combined with 3.7 percent from a year earlier contributes to the Good asset quality (6.2).
Other Rating Factors:
Operating profits as a percentage of assets at 3.1%, coupled with a return on assets of 3.1 has resulted in Excellent (9.8) profitability. Excellent current capitalization (8.7 on a scale of 0 to 10) based on a risk-based capital ratio of 13.7 and a capital leverage ratio of 10.1.
Asset Mix:
Securities (19%), consumer loans (12%), comm loans (11%), home mtgs (10%), comm re (2%), other (46%)
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
Buffalo Bancshares, Inc.
Investment Rating
--
Address
122 South Hoy Street
Buffalo, OK 73834
Buffalo, OK 73834
Phone Number
(580) 735-2545
Year Founded
1930
FDIC Number
Website
Largest Affiliates
No affiliate information available.