Major 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 (8.9 on a scale of 0 to 10). Excellent current capitalization (8.6 on a scale of 0 to 10) based on a risk-based capital ratio of 16.2 and a capital leverage ratio of 10.1.
Other Rating Factors:
A current level of 3.4 percent of nonperforming loans to core capital combined with 2.5 percent from a year earlier contributes to the Excellent asset quality (7.4). Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.3 has resulted in Good (5.2) profitability.
Asset Mix:
Securities (31%), comm re (16%), home mtgs (12%), consumer loans (5%), cash (4%), comm loans (3%), other (30%)
States with Branches:
KS, 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
RCB Holding Company, Inc.
Investment Rating
--
Address
300 West Patti Page Boulevard
Claremore, OK 74017
Claremore, OK 74017
Phone Number
(918) 341-6150
Year Founded
1936
FDIC Number
Website
Largest Affiliates
No affiliate information available.