Major Rating Factors:
A current level of 16.0 percent of nonperforming loans to core capital combined with 2.9 percent from a year earlier contributes to the Fair asset quality (3.4). Excellent current capitalization (9.2 on a scale of 0 to 10) based on a risk-based capital ratio of 14.0 and a capital leverage ratio of 10.5.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (9.6 on a scale of 0 to 10). Operating profits as a percentage of assets at 2.1%, coupled with a return on assets of 2.1 has resulted in Excellent (9.4) profitability.
Asset Mix:
Cash (17%), comm re (13%), comm loans (8%), home mtgs (2%), consumer loans (0%), other (59%)
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
BancWest, Inc.
Investment Rating
--
Address
101 South Main Street
Thomas, OK 73669
Thomas, OK 73669
Phone Number
(580) 661-3541
Year Founded
1984
FDIC Number
Website
Largest Affiliates
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