Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 19.2 and a capital leverage ratio of 11.3. Operating profits as a percentage of assets at 2.7%, coupled with a return on assets of 1.7 has resulted in Excellent (8.9) profitability.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.1 on a scale of 0 to 10). A current level of 8.4 percent of nonperforming loans to core capital combined with 13.4 percent from a year earlier contributes to the Good asset quality (5.3).
Asset Mix:
Securities (44%), comm loans (11%), home mtgs (9%), consumer loans (8%), comm re (7%), cash (2%), other (19%)
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
Security Bancshares Corporation
Investment Rating
--
Address
210 South Mekusukey Avenue
Wewoka, OK 74884
Wewoka, OK 74884
Phone Number
(405) 257-5411
Year Founded
1911
FDIC Number
Website
Largest Affiliates
No affiliate information available.