B
OK Farm Bureau Mutual Ins Co
Rating Date
October 2025
NAIC
Classification
Risk Adjusted
Capital Ratio #1
Risk Adjusted
Capital Ratio #2
Loss
Ratio
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Assets
Capital
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Premiums
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Major Rating Factors: Fair profitability index (3.1 on a scale of 0 to 10) with operating losses during 2022, 2023, 2024 and the first six months of 2025. Average return on equity over the last five years has been poor at -5.1%. Good liquidity (6.1) with sufficient resources (cash flows and marketable investments) to handle a spike in claims. Good overall results on stability tests (6.6) despite. Stability strengths include good operational trends and good risk diversification. The largest net exposure for one risk is conservative at 1.6% of capital.
Other Rating Factors: Strong long-term capitalization index (7.0) based on good current risk adjusted capital (severe and moderate loss scenarios), although results have slipped from the excellent range during the last year. Ample reserve history (9.3) that helps to protect the company against sharp claims increases.
Stability Factors: T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business: Personal/comm auto (44.4%), farmowners (24.6%), homeowners (15.1%), comm multi (8.0%), fire (1.3%), other (6.6%)
Licensed in: OK
Principal Investments: Investment grade bonds (59.1%), common stock (23.6%), cash (13.3%), real estate (1.6%), preferred stock (0.2%), other (2.2%)
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Reserve to Surplus
1-Year Reserve Development
2-Year Reserve Development
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Investments in Affiliates
Corporate Info
Group Affiliation
Oklahoma Farm Bureau Mutual Ins Co
Investment Rating
--
Company Address
2501 North Stiles Avenue
Oklahoma City, OK 73105
Phone Number
(405) 523-2300
NAIC Number
21563
Largest Affiliates
A
Oklahoma City, OK - P&C