Major Rating Factors:
A current level of 11.6 percent of nonperforming loans to core capital combined with 9.6 percent from a year earlier contributes to the Fair asset quality (4.4). Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.6 has resulted in Fair (3.2) profitability.
Other Rating Factors:
Good current capitalization (6.6 on a scale of 0 to 10) based on a risk-based capital ratio of 13.3 and a capital leverage ratio of 8.6. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.1 on a scale of 0 to 10).
Asset Mix:
Home mtgs (22%), comm re (17%), securities (15%), comm loans (6%), cash (5%), consumer loans (1%), home eq lns (1%), other (33%)
States with Branches:
KS
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
Overbrook Bankshares, Inc.
Investment Rating
--
Address
312 Maple Street
Overbrook, KS 66524
Overbrook, KS 66524
Phone Number
(785) 665-7155
Year Founded
FDIC Number
Website
Largest Affiliates
No affiliate information available.