Major Rating Factors:
A current level of 17.1 percent of nonperforming loans to core capital combined with 25.2 percent from a year earlier contributes to the Fair asset quality (3.5). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (1.7 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (8.2 on a scale of 0 to 10) and a capital leverage ratio of 9.8. Fair liquidity 4.8, driven by a liquidity ratio of 16.4 percent and a “hot money” ratio of 13.5 percent.
Asset Mix:
Securities (56%), home mtgs (13%), cash (5%), comm re (3%), consumer loans (3%), comm loans (2%), 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
S N B Bancshares, Inc.
Investment Rating
--
Address
102 North Main Street
Eufaula, OK 74432
Eufaula, OK 74432
Phone Number
(918) 689-7732
Year Founded
1911
FDIC Number
Website
Largest Affiliates
No affiliate information available.