Major Rating Factors:
A current level of 10.7 percent of nonperforming loans to core capital combined with 10.9 percent from a year earlier contributes to the Fair asset quality (4.3). Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.5 has resulted in Excellent (7.1) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 17.5 and a capital leverage ratio of 13.4. 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 (21%), comm re (18%), comm loans (11%), cash (6%), home mtgs (6%), consumer loans (2%), other (36%)
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
No affiliate information available.