Major Rating Factors:
A current level of 10.5 percent of nonperforming loans to core capital combined with 9.9 percent from a year earlier contributes to the Fair asset quality (4.5). Operating profits as a percentage of assets at 0.4%, coupled with a return on assets of 0.4 has resulted in Weak (1.8) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 18.8 and a capital leverage ratio of 13.0. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (9.8 on a scale of 0 to 10).
Asset Mix:
Securities (23%), comm re (17%), cash (10%), comm loans (10%), home mtgs (5%), consumer loans (2%), other (33%)
States with Branches:
OK, TX
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
Panhandle Bancshares, Inc.
Investment Rating
--
Address
1223 North Main Street
Guymon, OK 73942
Guymon, OK 73942
Phone Number
(580) 338-2593
Year Founded
1976
FDIC Number
Website
Largest Affiliates
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