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 (4.3 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.5 has resulted in Good (6.5) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 13.1. A current level of 3.7 percent of nonperforming loans to core capital combined with 7.1 percent from a year earlier contributes to the Good asset quality (6.7).
Asset Mix:
Home mtgs (19%), securities (17%), comm loans (16%), cash (8%), consumer loans (5%), comm re (3%), other (32%)
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
Investment Rating
--
Address
301 West Main Street
Stonewall, OK 74871
Stonewall, OK 74871
Phone Number
(580) 265-4222
Year Founded
1940
FDIC Number
Website
Largest Affiliates
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