Major Rating Factors:
A current level of 11.4 percent of nonperforming loans to core capital combined with 5.1 percent from a year earlier contributes to the Fair asset quality (4.1). Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.8 has resulted in Fair (3.5) 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 (9.5 on a scale of 0 to 10). Excellent current capitalization (7.1 on a scale of 0 to 10) and a capital leverage ratio of 9.1.
Asset Mix:
Comm loans (31%), comm re (29%), home mtgs (8%), securities (5%), cash (4%), home eq lns (1%), 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.