First Security Bank and Trust Company
Major Rating Factors:
A current level of 19.7 percent of nonperforming loans to core capital combined with 3.4 percent from a year earlier contributes to the Fair asset quality (3.0). Operating profits as a percentage of assets at 1.9%, coupled with a return on assets of 1.9 has resulted in Excellent (7.9) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 14.2 and a capital leverage ratio of 11.0. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (9.2 on a scale of 0 to 10).
Asset Mix:
Home mtgs (24%), comm loans (22%), comm re (17%), consumer loans (6%), home eq lns (2%), cash (1%), securities (0%), other (29%)
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
FSB Bancshares, Inc.
Investment Rating
--
Address
1541 NE 23rd Street
Oklahoma City, OK 73111
Oklahoma City, OK 73111
Phone Number
(405) 424-4341
Year Founded
1951
FDIC Number
Website
Largest Affiliates
No affiliate information available.