Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 13.6. A current level of 2.5 percent of nonperforming loans to core capital combined with 5.6 percent from a year earlier contributes to the Excellent asset quality (7.4).
Other Rating Factors:
Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.6 has resulted in Good (6.8) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10).
Asset Mix:
Comm re (27%), home mtgs (15%), securities (13%), cash (11%), home eq lns (3%), comm loans (2%), consumer loans (2%), other (27%)
States with Branches:
KS, 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
JRMB II, Inc
Investment Rating
--
Address
500 South West D Avenue
Lawton, OK 73501
Lawton, OK 73501
Phone Number
(866) 385-3444
Year Founded
1901
FDIC Number
Website
Largest Affiliates
Lawton, OK
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Bank