Major Rating Factors:
A current level of 33.7 percent of nonperforming loans to core capital combined with 34.0 percent from a year earlier contributes to the Weak asset quality (1.9). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.4 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 2.3%, coupled with a return on assets of 2.3 has resulted in Excellent (7.9) profitability. Good current capitalization (6.6 on a scale of 0 to 10) based on a risk-based capital ratio of 18.4 and a capital leverage ratio of 8.6.
Asset Mix:
Home mtgs (34%), comm re (24%), comm loans (5%), consumer loans (1%), cash (1%), other (34%)
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
Rocky Financial Corporation
Investment Rating
--
Address
808 North Glenn English Street
Cordell, OK 73632
Cordell, OK 73632
Phone Number
(580) 832-5600
Year Founded
1902
FDIC Number
Website
Largest Affiliates
No affiliate information available.