Major Rating Factors:
A current level of 12.6 percent of nonperforming loans to core capital combined with 10.9 percent from a year earlier contributes to the Fair asset quality (4.5). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (8.3 on a scale of 0 to 10) based on a risk-based capital ratio of 11.1 and a capital leverage ratio of 9.9. Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 0.9 has resulted in Good (5.0) profitability.
Asset Mix:
Comm re (29%), comm loans (16%), home mtgs (11%), securities (9%), cash (4%), consumer loans (2%), home eq lns (1%), other (28%)
States with Branches:
MO, OK, TX
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
Regent Capital Corporation
Investment Rating
--
Address
7136 South Yale Avenue
Tulsa, OK 74136
Tulsa, OK 74136
Phone Number
(918) 488-0788
Year Founded
1898
FDIC Number
Website
Largest Affiliates
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