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 (1.8 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.2 has resulted in Fair (4.1) profitability.
Other Rating Factors:
Weak liquidity 2.9, driven by a liquidity ratio of 22.5 percent and a “hot money” ratio of 18.7 percent. Good current capitalization (6.1 on a scale of 0 to 10) based on a risk-based capital ratio of 14.4 and a capital leverage ratio of 8.2.
Asset Mix:
Comm re (26%), home mtgs (20%), securities (17%), cash (15%), consumer loans (5%), comm loans (1%), other (16%)
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
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