Major Rating Factors:
Operating profits as a percentage of assets at 3.2%, coupled with a return on assets of 2.4 has resulted in Excellent (10.0) profitability. Excellent current capitalization (7.9 on a scale of 0 to 10) based on a risk-based capital ratio of 18.7 and a capital leverage ratio of 9.6.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.7 on a scale of 0 to 10). Fair liquidity 3.5, driven by a liquidity ratio of 14.6 percent and a “hot money” ratio of 1.3 percent.
Asset Mix:
Consumer loans (46%), comm re (17%), cash (13%), home mtgs (9%), comm loans (5%), securities (1%), other (8%)
States with Branches:
OK, UT
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
Central Service Corp.
Investment Rating
--
Address
324 West Broadway Avenue
Enid, OK 73701
Enid, OK 73701
Phone Number
(580) 233-3535
Year Founded
1913
FDIC Number
Website
Largest Affiliates
No affiliate information available.