First Liberty Bank
Major Rating Factors:
A current level of 10.4 percent of nonperforming loans to core capital combined with 5.3 percent from a year earlier contributes to the Fair asset quality (4.8). 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:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 14.3 and a capital leverage ratio of 11.7. Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.1 has resulted in Good (5.9) profitability.
Asset Mix:
Comm loans (29%), comm re (23%), home mtgs (13%), cash (8%), securities (5%), home eq lns (2%), consumer loans (0%), other (20%)
States with Branches:
OK, TX
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
First Liberty Holdings, LLC
Investment Rating
--
Address
9601 North May Avenue
Oklahoma City, OK 73120
Oklahoma City, OK 73120
Phone Number
(405) 608-4500
Year Founded
1933
FDIC Number
Website
Largest Affiliates
No affiliate information available.