Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 41.8 and a capital leverage ratio of 14.1. A current level of 1.4 percent of nonperforming loans to core capital combined with 2.5 percent from a year earlier contributes to the Excellent asset quality (9.3).
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 (8.0 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 (5.4) profitability.
Asset Mix:
Securities (61%), home mtgs (9%), comm re (6%), cash (4%), comm loans (3%), consumer loans (1%), 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
Oklahoma BanCorporation, Inc.
Investment Rating
--
Address
600 West Gary Boulevard
Clinton, OK 73601
Clinton, OK 73601
Phone Number
(580) 323-2345
Year Founded
1908
FDIC Number
Website
Largest Affiliates
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