Major Rating Factors:
A current level of 5.6 percent of nonperforming loans to core capital combined with 6.5 percent from a year earlier contributes to the Fair asset quality (4.9). 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 12.1 and a capital leverage ratio of 10.1. Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.0 has resulted in Fair (5.0) profitability.
Asset Mix:
Comm loans (34%), comm re (26%), home mtgs (16%), cash (8%), securities (6%), home eq lns (2%), consumer loans (0%), other (8%)
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.