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 (4.3 on a scale of 0 to 10). A current level of 7.2 percent of nonperforming loans to core capital combined with 6.6 percent from a year earlier contributes to the Good asset quality (5.8).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 14.0. Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.6 has resulted in Good (6.4) profitability.
Asset Mix:
Home mtgs (47%), consumer loans (8%), comm re (8%), securities (6%), cash (5%), comm loans (4%), other (22%)
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
510 West Main Street
Henryetta, OK 74437
Henryetta, OK 74437
Phone Number
(918) 652-3321
Year Founded
1933
FDIC Number
Website
Largest Affiliates
No affiliate information available.