A
FSNB, National Association
LawtonOK
Rating Date
March 2024
Risk Based
Capital Ratio
--
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
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Major Rating Factors: Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 15.5. Operating profits as a percentage of assets at 3.3%, coupled with a return on assets of 3.3 has resulted in Excellent (10.0) profitability.
Other Rating Factors: A current level of 0.3 percent of nonperforming loans to core capital combined with 0.8 percent from a year earlier contributes to the Excellent asset quality (9.2). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.0 on a scale of 0 to 10).
Asset Mix: Securities (49%), comm re (14%), cash (8%), home mtgs (6%), comm loans (1%), consumer loans (1%), other (20%)
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
Liquidity
Liquidity Ratio
Hot Money
Corporate Info
Group Affiliation
JRMB II, Inc
Investment Rating
--
Address
1420 SW Lee Boulevard
Lawton, OK 73501
Phone Number
(580) 357-9880
Year Founded
1946
FDIC Number
Weiss Ratings