Major Rating Factors:
Very Weak current capitalization (0.0 on a scale of 0 to 10) based on a risk-based capital ratio of 21.0 and a capital leverage ratio of 7.8. Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.9 has resulted in Very Weak (1.0) profitability.
Other Rating Factors:
Weak liquidity 1.2, driven by a liquidity ratio of 24.9 percent and a “hot money” ratio of 5.1 percent. A current level of 5.6 percent of nonperforming loans to core capital combined with 0.3 percent from a year earlier contributes to the Fair asset quality (3.5).
Asset Mix:
Securities (35%), comm loans (9%), cash (8%), home mtgs (6%), comm re (4%), consumer loans (2%), other (36%)
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
Warrior Bank Corporation, Inc.
Investment Rating
--
Address
525 North Main Street
Hennessey, OK 73742
Hennessey, OK 73742
Phone Number
(405) 853-6880
Year Founded
1988
FDIC Number
Website
Largest Affiliates
No affiliate information available.