Major Rating Factors:
A current level of 1.5 percent of nonperforming loans to core capital combined with 1.6 percent from a year earlier contributes to the Excellent asset quality (8.3). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.6 on a scale of 0 to 10).
Other Rating Factors:
Good current capitalization (6.2 on a scale of 0 to 10) based on a risk-based capital ratio of 24.7 and a capital leverage ratio of 9.6. Fair liquidity 4.1, driven by a liquidity ratio of 25.3 percent and a “hot money” ratio of 20.0 percent.
Asset Mix:
Securities (51%), home mtgs (13%), comm re (12%), cash (10%), comm loans (3%), consumer loans (1%), other (10%)
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
American Bancorporation, Inc.
Investment Rating
--
Address
Two South Main Street
Sapulpa, OK 74066
Sapulpa, OK 74066
Phone Number
(918) 224-3210
Year Founded
1905
FDIC Number
Website
Largest Affiliates
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