Major Rating Factors:
A current level of 28.2 percent of nonperforming loans to core capital combined with 12.4 percent from a year earlier contributes to the Weak asset quality (1.2). Operating profits as a percentage of assets at 2.3%, coupled with a return on assets of 2.2 has resulted in Excellent (9.0) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 18.6 and a capital leverage ratio of 13.9. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (10.0 on a scale of 0 to 10).
Asset Mix:
Comm re (26%), home mtgs (20%), securities (14%), comm loans (4%), consumer loans (2%), cash (2%), other (31%)
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
923 West Main Street
Duncan, OK 73533
Duncan, OK 73533
Phone Number
(877) 976-2265
Year Founded
FDIC Number
Website
Largest Affiliates
No affiliate information available.