Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 12.2. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.8 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.5 has resulted in Good (5.5) profitability. A current level of 17.8 percent of nonperforming loans to core capital combined with 5.8 percent from a year earlier contributes to the Fair asset quality (3.9).
Asset Mix:
Comm loans (24%), comm re (16%), securities (15%), consumer loans (5%), cash (2%), home mtgs (2%), 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
Investment Rating
--
Address
101 West Highway 62
Verden, OK 73092
Verden, OK 73092
Phone Number
(405) 453-7101
Year Founded
1907
FDIC Number
Website
Largest Affiliates
No affiliate information available.