Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 19.8 and a capital leverage ratio of 16.0. Operating profits as a percentage of assets at 3.1%, coupled with a return on assets of 3.1 has resulted in Excellent (9.0) profitability.
Other Rating Factors:
A current level of 0.1 percent of nonperforming loans to core capital combined with 0.9 percent from a year earlier contributes to the Excellent asset quality (7.5). 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).
Asset Mix:
Comm re (60%), home mtgs (10%), securities (8%), comm loans (2%), cash (1%), home eq lns (1%), consumer loans (0%), other (17%)
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
8601 North Garnett Road
Owasso, OK 74055
Owasso, OK 74055
Phone Number
(918) 272-5301
Year Founded
1962
FDIC Number
Website
Largest Affiliates
No affiliate information available.