Major Rating Factors:
A current level of 0.0 percent of nonperforming loans to core capital combined with 0.2 percent from a year earlier contributes to the Excellent asset quality (9.3). Excellent current capitalization (8.7 on a scale of 0 to 10) and a capital leverage ratio of 10.2.
Other Rating Factors:
Good liquidity 6.0, driven by a liquidity ratio of 57.3 percent and a “hot money” ratio of 4.8 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10).
Asset Mix:
Securities (53%), cash (18%), comm loans (6%), consumer loans (5%), comm re (3%), home mtgs (1%), other (14%)
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
Griffith Family Financial Holdings, L.L.C.
Investment Rating
--
Address
401 West Cole Avenue
Fletcher, OK 73541
Fletcher, OK 73541
Phone Number
(580) 549-6106
Year Founded
1901
FDIC Number
Website
Largest Affiliates
Lindsay, OK
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Bank