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 (3.7 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.3 has resulted in Good (6.2) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 13.9 and a capital leverage ratio of 12.3. A current level of 0.1 percent of nonperforming loans to core capital combined with 0.2 percent from a year earlier contributes to the Excellent asset quality (8.3).
Asset Mix:
Comm re (25%), securities (21%), comm loans (6%), cash (1%), consumer loans (1%), home mtgs (0%), other (47%)
States with Branches:
KS
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
Security Bancshares, Inc.
Investment Rating
--
Address
100 Center Avenue
Oakley, KS 67748
Oakley, KS 67748
Phone Number
(785) 672-3251
Year Founded
1907
FDIC Number
Website
Largest Affiliates
Scott City, KS
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Bank
Colby, KS
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Bank