Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.1 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.4 has resulted in Good (5.5) profitability.
Other Rating Factors:
Good current capitalization (6.9 on a scale of 0 to 10) based on a risk-based capital ratio of 14.0 and a capital leverage ratio of 8.9. A current level of 3.8 percent of nonperforming loans to core capital combined with 9.4 percent from a year earlier contributes to the Good asset quality (5.9).
Asset Mix:
Securities (24%), home mtgs (21%), consumer loans (9%), comm re (9%), comm loans (8%), cash (5%), 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
F.S.B. Properties, Inc.
Investment Rating
--
Address
1100 Main Street
Quinton, OK 74561
Quinton, OK 74561
Phone Number
(918) 469-3337
Year Founded
1908
FDIC Number
Website
Largest Affiliates
No affiliate information available.