A
FSNB, National Association
LawtonOK
Rating Date
October 2025
Risk Based
Capital Ratio
--
Leverage
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Return On
Assets
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Assets
Capital
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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 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
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
Website