Major Rating Factors:
A current level of 6.9 percent of nonperforming loans to core capital combined with 16.8 percent from a year earlier contributes to the Fair asset quality (4.5). 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:
Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 1.7 has resulted in Excellent (7.3) profitability. Good current capitalization (6.9 on a scale of 0 to 10) based on a risk-based capital ratio of 17.2 and a capital leverage ratio of 8.9.
Asset Mix:
Home mtgs (35%), comm re (24%), comm loans (6%), consumer loans (2%), cash (1%), other (33%)
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.