Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 43.0 and a capital leverage ratio of 15.8. A current level of 0.4 percent of nonperforming loans to core capital combined with 0.6 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 an Excellent overall stability index (8.1 on a scale of 0 to 10). Good liquidity 5.7, driven by a liquidity ratio of 62.5 percent and a “hot money” ratio of 20.2 percent.
Asset Mix:
Securities (52%), cash (10%), consumer loans (9%), home mtgs (8%), comm re (3%), comm loans (2%), other (16%)
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
Peoples National Bancshares of Checotah, Inc.
Investment Rating
--
Address
300 West Gentry Avenue
Checotah, OK 74426
Checotah, OK 74426
Phone Number
(918) 473-2237
Year Founded
1911
FDIC Number
Website
Largest Affiliates
No affiliate information available.