Major Rating Factors:
A current level of 10.1 percent of nonperforming loans to core capital combined with 7.5 percent from a year earlier contributes to the Fair asset quality (4.5). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 1.8%, coupled with a return on assets of 1.9 has resulted in Excellent (8.3) profitability. Excellent current capitalization (7.5 on a scale of 0 to 10) and a capital leverage ratio of 9.4.
Asset Mix:
Comm re (30%), comm loans (29%), home mtgs (8%), securities (5%), cash (5%), consumer loans (1%), other (21%)
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
N.B.C. Bancshares in Pawhuska, Inc.
Investment Rating
--
Address
101 East Eighth Street
Pawhuska, OK 74056
Pawhuska, OK 74056
Phone Number
(918) 287-4111
Year Founded
1905
FDIC Number
Website
Largest Affiliates
No affiliate information available.