Major Rating Factors:
Excellent current capitalization (8.1 on a scale of 0 to 10) and a capital leverage ratio of 10.8. A current level of 3.6 percent of nonperforming loans to core capital combined with 6.0 percent from a year earlier contributes to the Good asset quality (5.9).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.5 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.2 has resulted in Fair (4.6) profitability.
Asset Mix:
Securities (33%), home mtgs (21%), comm re (16%), comm loans (4%), consumer loans (2%), cash (2%), other (22%)
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
NBM Corporation
Investment Rating
--
Address
201 East Carl Albert Parkway
McAlester, OK 74501
McAlester, OK 74501
Phone Number
(918) 423-2265
Year Founded
1927
FDIC Number
Website
Largest Affiliates
No affiliate information available.