Major Rating Factors:
A current level of 18.9 percent of nonperforming loans to core capital combined with 11.5 percent from a year earlier contributes to the Fair asset quality (3.2). Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.0 has resulted in Good (5.5) 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 (8.7 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 re (31%), comm loans (26%), home mtgs (11%), cash (6%), securities (6%), 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
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