Major Rating Factors:
A current level of 28.0 percent of nonperforming loans to core capital combined with 15.2 percent from a year earlier contributes to the Very Weak asset quality (0.6). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.8 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 2.6%, coupled with a return on assets of 2.2 has resulted in Excellent (10.0) profitability. Excellent current capitalization (9.6 on a scale of 0 to 10) and a capital leverage ratio of 10.8.
Asset Mix:
Consumer loans (27%), home mtgs (19%), comm loans (15%), securities (13%), cash (8%), comm re (7%), other (11%)
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
First Pryor Bancorp, Inc.
Investment Rating
--
Address
103 West Ferry Street
Salina, OK 74365
Salina, OK 74365
Phone Number
(918) 434-5394
Year Founded
1973
FDIC Number
Largest Affiliates
Pryor, OK
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Bank
Locust Grove, OK
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Bank