Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 15.4. A current level of 1.2 percent of nonperforming loans to core capital combined with 0.5 percent from a year earlier contributes to the Excellent asset quality (7.6).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.9 on a scale of 0 to 10). Good liquidity 5.3, driven by a liquidity ratio of 51.6 percent and a “hot money” ratio of 41.7 percent.
Asset Mix:
Securities (49%), cash (17%), consumer loans (4%), comm re (2%), comm loans (2%), home mtgs (0%), other (26%)
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
120 South Main Street
Medford, OK 73759
Medford, OK 73759
Phone Number
(580) 395-3335
Year Founded
1895
FDIC Number
Website
Largest Affiliates
No affiliate information available.