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 (3.7 on a scale of 0 to 10). A current level of 7.0 percent of nonperforming loans to core capital combined with 7.9 percent from a year earlier contributes to the Good asset quality (5.7).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 11.8. Operating profits as a percentage of assets at 2.9%, coupled with a return on assets of 2.2 has resulted in Excellent (10.0) profitability.
Asset Mix:
Home mtgs (24%), comm re (23%), securities (9%), cash (7%), comm loans (6%), consumer loans (4%), home eq lns (3%), other (24%)
States with Branches:
AR, 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
Grand Bancorp, Inc.
Investment Rating
--
Address
1022 South Main Street
Grove, OK 74344
Grove, OK 74344
Phone Number
(918) 786-2203
Year Founded
1981
FDIC Number
Website
Largest Affiliates
No affiliate information available.