Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 11.4. Operating profits as a percentage of assets at 1.8%, coupled with a return on assets of 1.8 has resulted in Excellent (8.2) profitability.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.7 on a scale of 0 to 10). A current level of 7.4 percent of nonperforming loans to core capital combined with 1.5 percent from a year earlier contributes to the Good asset quality (6.2).
Asset Mix:
Securities (34%), home mtgs (15%), comm loans (5%), consumer loans (5%), comm re (5%), cash (4%), other (32%)
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
FNBT Bancshares, Perry, OK, Inc.
Investment Rating
--
Address
401 North Seventh Street
Perry, OK 73077
Perry, OK 73077
Phone Number
(580) 336-5562
Year Founded
1934
FDIC Number
Website
Largest Affiliates
No affiliate information available.