Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (5.0 on a scale of 0 to 10). A current level of 4.4 percent of nonperforming loans to core capital combined with 10.0 percent from a year earlier contributes to the Good asset quality (5.5).
Other Rating Factors:
Excellent current capitalization (7.8 on a scale of 0 to 10) and a capital leverage ratio of 9.6. Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.4 has resulted in Good (5.6) profitability.
Asset Mix:
Comm re (23%), home mtgs (19%), cash (13%), securities (8%), comm loans (7%), consumer loans (3%), other (26%)
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
Atoka State Bancorporation, Inc.
Investment Rating
--
Address
131 South Pennsylvania Street
Atoka, OK 74525
Atoka, OK 74525
Phone Number
(580) 889-3375
Year Founded
1906
FDIC Number
Website
Largest Affiliates
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