Development
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (5.0 on a scale of 0 to 10). Good current capitalization (6.3 on a scale of 0 to 10) based on a risk-based capital ratio of 12.4 and a capital leverage ratio of 8.3.
Other Rating Factors:
Operating profits as a percentage of assets at 3.4%, coupled with a return on assets of 3.4 has resulted in Excellent (9.5) profitability. A current level of 1.8 percent of nonperforming loans to core capital combined with 0.1 percent from a year earlier contributes to the Excellent asset quality (7.5).
Asset Mix:
Comm loans (58%), cash (18%), securities (12%), consumer loans (6%), other (7%)
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
621 Main Street
Maysville, OK 73057
Maysville, OK 73057
Phone Number
(405) 867-4485
Year Founded
1907
FDIC Number
Website
Largest Affiliates
Blair, OK
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Bank