Major Rating Factors:
                             Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 16.5. Operating profits as a percentage of assets at 2.9%, coupled with a return on assets of 2.9 has resulted in Excellent (9.5) profitability. 
                        
                    
                            Other Rating Factors:
                             A current level of 0.5 percent of nonperforming loans to core capital combined with 0.6 percent from a year earlier contributes to the Excellent asset quality (9.0). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.5 on a scale of 0 to 10). 
                        
                    
                            Asset Mix:
                            Securities (50%), comm re (12%), cash (7%), home mtgs (6%), comm loans (2%), consumer loans (1%), other (21%)
                        
                    
                            States with Branches:
                             AR, DE, GA, LA, MS, NC, OK, TN, 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
                            JRMB II, Inc
                        Investment Rating
                            
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                        Address
                            
                                1420 SW Lee Boulevard 
Lawton, OK 73501
                        Lawton, OK 73501
Phone Number
                            (580) 357-9880
                        Year Founded
                              1946
                        FDIC Number
                            
                        Website
                            
                        Largest Affiliates
                        
                                                    Lawton, OK
                                                     - 
                                                    Bank