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 (4.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.4%, coupled with a return on assets of 0.4 has resulted in Very Weak (1.0) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 14.6 and a capital leverage ratio of 11.0. A current level of 2.7 percent of nonperforming loans to core capital combined with 18.3 percent from a year earlier contributes to the Excellent asset quality (8.3).
Asset Mix:
Comm re (29%), comm loans (13%), home mtgs (12%), cash (11%), securities (7%), home eq lns (4%), consumer loans (2%), other (23%)
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
Vast Holdings, Inc.
Investment Rating
--
Address
110 North Elgin
Tulsa, OK 74120
Tulsa, OK 74120
Phone Number
(918) 495-1700
Year Founded
1982
FDIC Number
Website
Largest Affiliates
No affiliate information available.