Major Rating Factors:
Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.1 has resulted in Fair (4.9) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.7 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (8.6 on a scale of 0 to 10) based on a risk-based capital ratio of 12.7 and a capital leverage ratio of 10.1. A current level of 5.0 percent of nonperforming loans to core capital combined with 3.7 percent from a year earlier contributes to the Good asset quality (5.1).
Asset Mix:
Comm loans (31%), comm re (27%), home mtgs (18%), cash (7%), securities (7%), home eq lns (3%), consumer loans (0%), other (7%)
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
Town & Country Bancshares, Inc.
Investment Rating
--
Address
2610 South Division Street
Guthrie, OK 73044
Guthrie, OK 73044
Phone Number
(405) 260-2265
Year Founded
1909
FDIC Number
Website
Largest Affiliates
No affiliate information available.