Major Rating Factors:
A current level of 19.8 percent of nonperforming loans to core capital combined with 13.0 percent from a year earlier contributes to the Fair asset quality (3.2). Operating profits as a percentage of assets at 0.3%, coupled with a return on assets of 0.2 has resulted in Weak (2.5) profitability.
Other Rating Factors:
Good current capitalization (6.5 on a scale of 0 to 10) based on a risk-based capital ratio of 16.1 and a capital leverage ratio of 8.5. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.9 on a scale of 0 to 10).
Asset Mix:
Securities (30%), comm re (23%), home mtgs (14%), comm loans (7%), cash (6%), consumer loans (1%), other (19%)
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
Midstate Bancorp, Inc.
Investment Rating
--
Address
101 West Main Street
Hinton, OK 73047
Hinton, OK 73047
Phone Number
(405) 748-2535
Year Founded
1902
FDIC Number
Website
Largest Affiliates
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