Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.5 on a scale of 0 to 10).
Other Rating Factors:
A current level of 2.1 percent of nonperforming loans to core capital combined with 5.3 percent from a year earlier contributes to the Good asset quality (6.1). Good current capitalization (5.9 on a scale of 0 to 10) based on a risk-based capital ratio of 12.0 and a capital leverage ratio of 7.9.
Asset Mix:
Comm loans (26%), home mtgs (17%), cash (11%), securities (8%), comm re (6%), consumer loans (2%), other (30%)
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
Investment Rating
--
Address
515 South Hickory
Roff, OK 74865
Roff, OK 74865
Phone Number
(580) 759-2116
Year Founded
1979
FDIC Number
Website
Largest Affiliates
No affiliate information available.