The First State Bank
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 (3.7 on a scale of 0 to 10). A current level of 2.5 percent of nonperforming loans to core capital combined with 1.3 percent from a year earlier contributes to the Good asset quality (5.9).
Other Rating Factors:
Operating profits as a percentage of assets at 2.7%, coupled with a return on assets of 2.7 has resulted in Excellent (9.9) profitability. Excellent current capitalization (8.3 on a scale of 0 to 10) and a capital leverage ratio of 9.9.
Asset Mix:
Securities (9%), comm loans (5%), home mtgs (4%), consumer loans (4%), comm re (4%), cash (1%), other (73%)
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
16 Courthouse Square
Boise City, OK 73933
Boise City, OK 73933
Phone Number
(580) 544-2591
Year Founded
1915
FDIC Number
Website
Largest Affiliates
No affiliate information available.