Major Rating Factors:
Excellent current capitalization (7.8 on a scale of 0 to 10) and a capital leverage ratio of 9.6. A current level of 1.6 percent of nonperforming loans to core capital combined with 1.3 percent from a year earlier contributes to the Excellent asset quality (7.7).
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 (6.4 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.2 has resulted in Fair (4.3) profitability.
Asset Mix:
Securities (28%), comm re (19%), home mtgs (13%), comm loans (9%), consumer loans (3%), cash (1%), other (27%)
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 National Corporation of Ardmore, Inc.
Investment Rating
--
Address
405 West Main Street
Ardmore, OK 73401
Ardmore, OK 73401
Phone Number
(580) 223-1111
Year Founded
1889
FDIC Number
Website
Largest Affiliates
No affiliate information available.