Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 12.8. A current level of 1.0 percent of nonperforming loans to core capital combined with 3.7 percent from a year earlier contributes to the Excellent asset quality (8.6).
Other Rating Factors:
Operating profits as a percentage of assets at 2.9%, coupled with a return on assets of 2.2 has resulted in Excellent (8.3) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10).
Asset Mix:
Securities (28%), home mtgs (12%), comm re (10%), cash (9%), comm loans (3%), consumer loans (2%), other (36%)
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
First Miami Bancshares, Inc.
Investment Rating
--
Address
Two North Main Street
Miami, OK 74354
Miami, OK 74354
Phone Number
(918) 542-3371
Year Founded
1900
FDIC Number
Website
Largest Affiliates
Billings, MO
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Bank