Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.8 on a scale of 0 to 10). A current level of 7.4 percent of nonperforming loans to core capital combined with 19.7 percent from a year earlier contributes to the Fair asset quality (4.2).
Other Rating Factors:
Good current capitalization (6.8 on a scale of 0 to 10) based on a risk-based capital ratio of 17.3 and a capital leverage ratio of 8.8. Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.9 has resulted in Fair (4.0) profitability.
Asset Mix:
Securities (30%), comm re (22%), home mtgs (15%), comm loans (7%), cash (7%), consumer loans (1%), other (18%)
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
No affiliate information available.