Development
Major Rating Factors:
Excellent current capitalization (8.5 on a scale of 0 to 10) based on a risk-based capital ratio of 15.1 and a capital leverage ratio of 10.0. A current level of 1.1 percent of nonperforming loans to core capital combined with 0.2 percent from a year earlier contributes to the Excellent asset quality (8.4).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.8 on a scale of 0 to 10). Weak liquidity 2.4, driven by a liquidity ratio of 23.8 percent and a “hot money” ratio of 47.0 percent.
Asset Mix:
Securities (30%), comm loans (21%), home mtgs (8%), comm re (7%), cash (3%), consumer loans (2%), other (30%)
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
Seiling Bancshares, Inc.
Investment Rating
--
Address
301 North Main Street
Seiling, OK 73663
Seiling, OK 73663
Phone Number
(580) 922-4211
Year Founded
1901
FDIC Number
Website
Largest Affiliates
No affiliate information available.