Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (5.0 on a scale of 0 to 10). A current level of 0.9 percent of nonperforming loans to core capital combined with 7.0 percent from a year earlier contributes to the Excellent asset quality (7.2).
Other Rating Factors:
Operating profits as a percentage of assets at 2.3%, coupled with a return on assets of 1.8 has resulted in Excellent (8.4) profitability. Excellent current capitalization (8.1 on a scale of 0 to 10) based on a risk-based capital ratio of 17.7 and a capital leverage ratio of 9.7.
Asset Mix:
Home mtgs (22%), cash (20%), comm re (10%), securities (9%), comm loans (3%), consumer loans (2%), other (34%)
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
Sooner Southwest Bankshares, Inc.
Investment Rating
--
Address
400 East First Street
Heavener, OK 74937
Heavener, OK 74937
Phone Number
(918) 653-3200
Year Founded
1910
FDIC Number
Website
Largest Affiliates
Hugo, OK
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Bank
Bristow, OK
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Bank