Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 11.3. A current level of 6.4 percent of nonperforming loans to core capital combined with 3.2 percent from a year earlier contributes to the Excellent asset quality (8.3).
Other Rating Factors:
Fair liquidity 4.9, driven by a liquidity ratio of 19.6 percent and a “hot money” ratio of 2.2 percent. Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.7 has resulted in Fair (3.7) profitability.
Asset Mix:
Securities (60%), home mtgs (13%), comm re (8%), cash (5%), consumer loans (3%), home eq lns (3%), comm loans (1%), 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
Noble Bancshares, Inc.
Investment Rating
--
Address
102 North Main Street
Noble, OK 73068
Noble, OK 73068
Phone Number
(405) 872-3434
Year Founded
1902
FDIC Number
Website
Largest Affiliates
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