Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 11.8. A current level of 6.2 percent of nonperforming loans to core capital combined with 3.1 percent from a year earlier contributes to the Good asset quality (7.0).
Other Rating Factors:
Fair liquidity 4.3, driven by a liquidity ratio of 16.0 percent and a “hot money” ratio of 19.0 percent. Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.2 has resulted in Fair (4.3) profitability.
Asset Mix:
Securities (47%), home mtgs (10%), comm loans (6%), comm re (5%), consumer loans (4%), cash (2%), other (26%)
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
Fairview Bancshares, Inc.
Investment Rating
--
Address
312 North Main Street
Fairview, OK 73737
Fairview, OK 73737
Phone Number
(580) 227-3773
Year Founded
1907
FDIC Number
Website
Largest Affiliates
No affiliate information available.