Major Rating Factors:
Excellent current capitalization (9.9 on a scale of 0 to 10) based on a risk-based capital ratio of 15.8 and a capital leverage ratio of 10.9. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.0 on a scale of 0 to 10).
Other Rating Factors:
A current level of 0.1 percent of nonperforming loans to core capital contributes to the Good asset quality (6.4). Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.9 has resulted in Weak (2.7) profitability.
Asset Mix:
Comm re (41%), securities (22%), comm loans (7%), cash (7%), home mtgs (6%), home eq lns (1%), consumer loans (0%), other (16%)
States with Branches:
CO, 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
Kirkpatrick Bancorp, Inc.
Investment Rating
--
Address
15 East 15th Street
Edmond, OK 73013
Edmond, OK 73013
Phone Number
(405) 341-8222
Year Founded
1970
FDIC Number
Website
Largest Affiliates
No affiliate information available.