Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 16.2. A current level of 0.5 percent of nonperforming loans to core capital combined with 1.0 percent from a year earlier contributes to the Excellent asset quality (9.0).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.4 on a scale of 0 to 10). Operating profits as a percentage of assets at 2.2%, coupled with a return on assets of 2.2 has resulted in Excellent (7.2) profitability.
Asset Mix:
Securities (48%), comm re (13%), cash (8%), home mtgs (6%), comm loans (2%), consumer loans (1%), other (22%)
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
--
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
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Bank