Major Rating Factors:
Excellent current capitalization (8.4 on a scale of 0 to 10) and a capital leverage ratio of 9.9. A current level of 10.8 percent of nonperforming loans to core capital combined with 1.1 percent from a year earlier contributes to the Good asset quality (6.5).
Other Rating Factors:
Good liquidity 6.0, driven by a liquidity ratio of 51.8 percent and a “hot money” ratio of 4.3 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.3 on a scale of 0 to 10).
Asset Mix:
Securities (60%), cash (10%), comm loans (8%), consumer loans (4%), home eq lns (2%), comm re (2%), 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
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