Major Rating Factors:
A current level of 66.3 percent of nonperforming loans to core capital combined with 12.7 percent from a year earlier contributes to the Very Weak asset quality (0.3).
Other Rating Factors:
Very Weak liquidity 0.2, driven by a liquidity ratio of 19.3 percent and a “hot money” ratio of 27.9 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.5 on a scale of 0 to 10).
Asset Mix:
Comm re (28%), cash (14%), comm loans (11%), home mtgs (6%), securities (6%), consumer loans (1%), other (35%)
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
State Exchange Bancshares, Inc.
Investment Rating
--
Address
1280 Main Street
Lamont, OK 74643
Lamont, OK 74643
Phone Number
(580) 388-4345
Year Founded
1901
FDIC Number
Website
Largest Affiliates
No affiliate information available.