Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (1.5 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.5 has resulted in Weak (2.9) profitability.
Other Rating Factors:
Fair liquidity 4.7, driven by a liquidity ratio of 39.8 percent and a “hot money” ratio of 20.9 percent. Good current capitalization (6.9 on a scale of 0 to 10) based on a risk-based capital ratio of 24.1 and a capital leverage ratio of 8.9.
Asset Mix:
Securities (51%), comm loans (11%), cash (9%), home mtgs (7%), comm re (6%), consumer loans (4%), other (11%)
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
Investment Rating
--
Address
117 North Price Avenue
Hominy, OK 74035
Hominy, OK 74035
Phone Number
(918) 885-2161
Year Founded
1906
FDIC Number
Website
Largest Affiliates
No affiliate information available.