Major Rating Factors:
A current level of 1.0 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.4). Excellent current capitalization (8.1 on a scale of 0 to 10) and a capital leverage ratio of 9.7.
Other Rating Factors:
Good liquidity 6.2, driven by a liquidity ratio of 60.2 percent and a “hot money” ratio of 2.5 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 (49%), cash (17%), comm loans (6%), consumer loans (4%), comm re (2%), home mtgs (1%), other (20%)
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
-
Bank