Major Rating Factors:
A current level of 19.9 percent of nonperforming loans to core capital combined with 22.4 percent from a year earlier contributes to the Weak asset quality (1.6). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 11.2. Operating profits as a percentage of assets at 2.5%, coupled with a return on assets of 1.9 has resulted in Excellent (9.5) profitability.
Asset Mix:
Consumer loans (27%), home mtgs (18%), comm loans (16%), securities (13%), comm re (6%), cash (6%), other (14%)
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