Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 12.1. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.0 on a scale of 0 to 10).
Other Rating Factors:
A current level of 7.7 percent of nonperforming loans to core capital combined with 17.2 percent from a year earlier contributes to the Fair asset quality (4.8). Fair liquidity 3.6, driven by a liquidity ratio of 35.2 percent and a “hot money” ratio of 16.3 percent.
Asset Mix:
Comm loans (22%), cash (18%), comm re (17%), securities (16%), consumer loans (5%), home mtgs (2%), other (21%)
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
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