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 0.8 percent of nonperforming loans to core capital combined with 1.6 percent from a year earlier contributes to the Good asset quality (6.8).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 16.9 and a capital leverage ratio of 11.0. 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.
Asset Mix:
Securities (20%), consumer loans (12%), comm loans (11%), home mtgs (10%), cash (8%), comm re (2%), other (37%)
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.