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 (4.1 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.5 has resulted in Weak (1.6) profitability.
Other Rating Factors:
Excellent current capitalization (7.9 on a scale of 0 to 10) and a capital leverage ratio of 9.6. A current level of 2.4 percent of nonperforming loans to core capital combined with 20.0 percent from a year earlier contributes to the Good asset quality (6.5).
Asset Mix:
Comm loans (21%), home mtgs (21%), comm re (9%), securities (8%), cash (3%), consumer loans (2%), other (37%)
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) 495-1234
Year Founded
1979
FDIC Number
Website
Largest Affiliates
No affiliate information available.