B
Alva State Bank & Trust Company
AlvaOK
Rating Date
October 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Alva State Bank & Trust Company
Alva, OK
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Rating B
Asset Quality Index 8.80
Capitalization Index 10.00
Liquidity Index 3.60
Profitability Index 8.80
Stability Index 7.00
Company Info Alva State Bank & Trust Company
Alva, OK
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FDIC Number 9465
Phone Number (580) 327-3300
Website www.alvastatebank.com
Asset Quality Alva State Bank & Trust Company
Alva, OK
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1-Year Asset Growth 16.58%
5-Year Asset Growth 8.25%
5-Year Charge-Offs to Average Loans 0.25%
Charge-Offs to Average Loans -0.23%
Non-Performing Assets to Assets 0.67%
Non-Performing Loans to Capital 0.85%
Non-Performing Loans to Loans 1.22%
Balance Sheet Alva State Bank & Trust Company
Alva, OK
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Total Assets 589.41M
Total Deposits 481.63M
Capital and Reserves Alva State Bank & Trust Company
Alva, OK
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Capital 83.08M
Leverage Ratio 16.21
Loan Loss Reserves to Loans 2.02%
Risk-Based Capital Ratio 23.95
Liquidity Alva State Bank & Trust Company
Alva, OK
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Hot Money Ratio 38.44%
Liquidity Ratio 44.05%
Profitability Alva State Bank & Trust Company
Alva, OK
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5-Year Return on Average Assets 1.70%
Net Income 8.71M
Net Interest Spread 3.62%
Operating Profit to Average Assets 2.05%
Overhead Efficiency Ratio 48.79%
Return on Assets 2.07%
Return on Equity 15.25%