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 (5.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.3 has resulted in Good (5.3) profitability.
Other Rating Factors:
Excellent current capitalization (7.8 on a scale of 0 to 10) and a capital leverage ratio of 9.5. A current level of 0.6 percent of nonperforming loans to core capital combined with 12.6 percent from a year earlier contributes to the Good asset quality (6.6).
Asset Mix:
Comm re (30%), securities (23%), home mtgs (15%), comm loans (5%), consumer loans (4%), cash (3%), other (21%)
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
Amcorp Financial, Inc.
Investment Rating
--
Address
1901 North Commerce Street
Ardmore, OK 73401
Ardmore, OK 73401
Phone Number
(580) 226-6222
Year Founded
1983
FDIC Number
Website
Largest Affiliates
No affiliate information available.