Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 12.2. A current level of 5.4 percent of nonperforming loans to core capital combined with 16.3 percent from a year earlier contributes to the Good asset quality (6.0).
Other Rating Factors:
Fair liquidity 4.0, driven by a liquidity ratio of 21.5 percent and a “hot money” ratio of 18.8 percent. Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 1.1 has resulted in Fair (4.0) profitability.
Asset Mix:
Securities (45%), home mtgs (12%), comm re (7%), comm loans (5%), consumer loans (4%), cash (1%), other (27%)
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
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