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 (4.8 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.9 has resulted in Weak (2.6) profitability.
Other Rating Factors:
Excellent current capitalization (9.5 on a scale of 0 to 10) and a capital leverage ratio of 10.7. A current level of 25.3 percent of nonperforming loans to core capital combined with 67.4 percent from a year earlier contributes to the Weak asset quality (2.1).
Asset Mix:
Cash (22%), comm re (20%), comm loans (9%), home mtgs (7%), securities (6%), consumer loans (1%), other (34%)
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
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