Major Rating Factors:
A current level of 0.9 percent of nonperforming loans to core capital combined with 1.6 percent from a year earlier contributes to the Excellent asset quality (8.8). Good current capitalization (6.7 on a scale of 0 to 10) based on a risk-based capital ratio of 18.5 and a capital leverage ratio of 8.7.
Other Rating Factors:
Operating profits as a percentage of assets at 1.8%, coupled with a return on assets of 1.6 has resulted in Good (6.3) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10).
Asset Mix:
Securities (35%), home mtgs (22%), comm re (22%), cash (5%), comm loans (5%), home eq lns (1%), consumer loans (0%), other (10%)
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
Security Financial Services Corporation
Investment Rating
--
Address
201 West Broadway Avenue
Enid, OK 73701
Enid, OK 73701
Phone Number
(580) 234-5151
Year Founded
1905
FDIC Number
Website
Largest Affiliates
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