Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 11.9. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.2 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.0 has resulted in Good (5.4) profitability. A current level of 18.4 percent of nonperforming loans to core capital combined with 19.3 percent from a year earlier contributes to the Fair asset quality (3.7).
Asset Mix:
Home mtgs (28%), securities (27%), comm re (15%), comm loans (5%), consumer loans (4%), cash (1%), home eq lns (1%), other (20%)
States with Branches:
OK, TX
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
FNB Financial Services, Inc.
Investment Rating
--
Address
220 West Main Street
Durant, OK 74701
Durant, OK 74701
Phone Number
(580) 924-4242
Year Founded
1898
FDIC Number
Website
Largest Affiliates
No affiliate information available.