Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 18.3 and a capital leverage ratio of 11.2. A current level of 1.4 percent of nonperforming loans to core capital combined with 1.6 percent from a year earlier contributes to the Excellent asset quality (8.7).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.2 on a scale of 0 to 10). Fair liquidity 3.1, driven by a liquidity ratio of 36.5 percent and a “hot money” ratio of 21.2 percent.
Asset Mix:
Comm re (24%), securities (24%), cash (15%), comm loans (7%), home mtgs (5%), consumer loans (2%), other (24%)
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
First Altus Bancorp, Inc.
Investment Rating
--
Address
110 East Broadway
Altus, OK 73521
Altus, OK 73521
Phone Number
(580) 482-7700
Year Founded
1902
FDIC Number
Website
Largest Affiliates
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