Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 11.4. A current level of 0.0 percent of nonperforming loans to core capital combined with 0.0 percent from a year earlier contributes to the Excellent asset quality (9.0).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.5 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.9%, coupled with a return on assets of 1.8 has resulted in Good (5.8) profitability.
Asset Mix:
Securities (52%), comm loans (8%), comm re (6%), home mtgs (6%), consumer loans (4%), cash (4%), other (19%)
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
402 South Main Street
Lindsay, OK 73052
Lindsay, OK 73052
Phone Number
(405) 756-3101
Year Founded
1924
FDIC Number
Website
Largest Affiliates
Fletcher, OK
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Bank