Major Rating Factors:
Excellent current capitalization (7.6 on a scale of 0 to 10) based on a risk-based capital ratio of 12.1 and a capital leverage ratio of 9.4. Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.4 has resulted in Good (6.6) profitability.
Other Rating Factors:
A current level of 3.9 percent of nonperforming loans to core capital combined with 5.6 percent from a year earlier contributes to the Good asset quality (6.1). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10).
Asset Mix:
Comm re (21%), comm loans (20%), home mtgs (14%), securities (6%), cash (6%), consumer loans (2%), home eq lns (2%), other (29%)
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
Great Plains Bancshares, Inc.
Investment Rating
--
Address
2017 West 3rd Street
Elk City, OK 73644
Elk City, OK 73644
Phone Number
(580) 225-2265
Year Founded
1996
FDIC Number
Website
Largest Affiliates
No affiliate information available.