Major Rating Factors:
Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.7 has resulted in Weak (2.7) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.8 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (8.9 on a scale of 0 to 10) and a capital leverage ratio of 10.3. A current level of 0.7 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.9).
Asset Mix:
Home mtgs (36%), comm re (24%), cash (7%), comm loans (5%), securities (2%), home eq lns (1%), consumer loans (1%), other (25%)
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
2200 East Alameda Street
Norman, OK 73071
Norman, OK 73071
Phone Number
(405) 310-4900
Year Founded
2009
FDIC Number
Website
Largest Affiliates
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