Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.8 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 1.0 has resulted in Fair (4.3) profitability.
Other Rating Factors:
Excellent current capitalization (7.9 on a scale of 0 to 10) based on a risk-based capital ratio of 14.0 and a capital leverage ratio of 9.6. A current level of 1.0 percent of nonperforming loans to core capital combined with 1.6 percent from a year earlier contributes to the Excellent asset quality (7.3).
Asset Mix:
Securities (25%), comm loans (20%), home mtgs (11%), comm re (7%), consumer loans (2%), cash (1%), other (35%)
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
Seiling Bancshares, Inc.
Investment Rating
--
Address
301 North Main Street
Seiling, OK 73663
Seiling, OK 73663
Phone Number
(580) 922-4211
Year Founded
1901
FDIC Number
Website
Largest Affiliates
No affiliate information available.