Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.4 on a scale of 0 to 10). Excellent current capitalization (8.2 on a scale of 0 to 10) based on a risk-based capital ratio of 13.4 and a capital leverage ratio of 9.8.
Other Rating Factors:
A current level of 9.8 percent of nonperforming loans to core capital combined with 16.4 percent from a year earlier contributes to the Fair asset quality (4.9). Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.9 has resulted in Fair (4.5) profitability.
Asset Mix:
Home mtgs (28%), comm re (21%), securities (11%), comm loans (7%), cash (2%), home eq lns (2%), consumer loans (1%), other (28%)
States with Branches:
OK, TX
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
Spend Life Wisely Company, Inc.
Investment Rating
--
Address
1400 West Main Street
Durant, OK 74701
Durant, OK 74701
Phone Number
(580) 924-2211
Year Founded
1900
FDIC Number
Website
Largest Affiliates
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