Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.9 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.9%, coupled with a return on assets of 1.9 has resulted in Good (5.8) profitability.
Other Rating Factors:
Weak liquidity 2.3, driven by a liquidity ratio of 17.5 percent and a “hot money” ratio of 21.8 percent. Good current capitalization (6.4 on a scale of 0 to 10) based on a risk-based capital ratio of 12.9 and a capital leverage ratio of 8.4.
Asset Mix:
Comm re (33%), securities (20%), home mtgs (20%), consumer loans (6%), cash (4%), comm loans (2%), other (15%)
States with Branches:
OK
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
Leader First Bancorp, Inc.
Investment Rating
--
Address
301 West Main Street
Marlow, OK 73055
Marlow, OK 73055
Phone Number
(580) 658-5457
Year Founded
1985
FDIC Number
Website
Largest Affiliates
No affiliate information available.