Development
Major Rating Factors:
Excellent current capitalization (9.7 on a scale of 0 to 10) and a capital leverage ratio of 10.8. Operating profits as a percentage of assets at 3.1%, coupled with a return on assets of 3.1 has resulted in Excellent (9.3) profitability.
Other Rating Factors:
A current level of 0.0 percent of nonperforming loans to core capital combined with 7.5 percent from a year earlier contributes to the Good asset quality (6.3). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.4 on a scale of 0 to 10).
Asset Mix:
Comm loans (46%), cash (16%), securities (10%), consumer loans (6%), home mtgs (2%), comm re (0%), other (18%)
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
The H. Pat Henson Company
Investment Rating
--
Address
117 East Main Street
Blair, OK 73526
Blair, OK 73526
Phone Number
(580) 563-2418
Year Founded
1952
FDIC Number
Website
Largest Affiliates
Maysville, OK
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Bank