C
Amer Farmers & Ranchers Mutl
Rating Date
June 2026
NAIC
Classification
Risk Adjusted
Capital Ratio #1
Risk Adjusted
Capital Ratio #2
Loss
Ratio
Total
Assets
Capital
Net
Premiums
Net
Income
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Major Rating Factors: Fair profitability index (3.6 on a scale of 0 to 10) with operating losses during 2022, 2023 and 2024. Good liquidity (5.7) with sufficient resources (cash flows and marketable investments) to handle a spike in claims. Strong long-term capitalization index (8.3) based on excellent current risk adjusted capital (severe and moderate loss scenarios), despite some fluctuation in capital levels.
Other Rating Factors: History of adequate reserve strength (6.9) as reserves have been consistently at an acceptable level. Excellent overall results on stability tests (7.0) despite.
Stability Factors:
Principal Lines of Business: Personal/comm auto (39.3%), farmowners (28.9%), homeowners (26.1%), fire (5.0%), other (0.7%)
Licensed in: ID, OK
Principal Investments: Investment grade bonds (60.9%), cash (15.7%), common stock (11.2%), real estate (1.9%), non investment grade bonds (0.4%), other (9.9%)
Ratios
Premium to Surplus
Reserve to Surplus
1-Year Reserve Development
2-Year Reserve Development
Expense Ratio
Combined Ratio
Cash From Underwriting
Net Premium Growth
Investments in Affiliates
Corporate Info
Group Affiliation
American Farmers & Ranchers Mutual Ins Co
Investment Rating
--
Company Address
4400 Will Rogers Parkway
Oklahoma City, OK 73108
Phone Number
(405) 218-5400
NAIC Number
41475
Largest Affiliates
C
C
Oklahoma City, OK - P&C