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 1.5 percent of nonperforming loans to core capital combined with 0.5 percent from a year earlier contributes to the Good asset quality (5.8).
Other Rating Factors:
Operating profits as a percentage of assets at 3.0%, coupled with a return on assets of 3.0 has resulted in Excellent (9.8) profitability. Excellent current capitalization (9.5 on a scale of 0 to 10) based on a risk-based capital ratio of 15.2 and a capital leverage ratio of 10.7.
Asset Mix:
Consumer loans (16%), cash (15%), securities (13%), home mtgs (9%), comm loans (7%), comm re (2%), other (39%)
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.