Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 13.1. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.2 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.3 has resulted in Fair (4.7) profitability. A current level of 13.5 percent of nonperforming loans to core capital combined with 7.6 percent from a year earlier contributes to the Fair asset quality (4.1).
Asset Mix:
Comm loans (25%), comm re (19%), securities (17%), consumer loans (6%), cash (3%), home mtgs (2%), other (29%)
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.