1st Bank Oklahoma


1698 S Lynn Riggs Blvd
Claremore, OK 74017
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.65% →
1-Year CD N.A. 0.70% →
2-Year CD N.A. 0.75% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

1st Bank Oklahoma is an FDIC insured institution located in Claremore, OK. It was founded in 1976 and has approximately $0.19 billion in assets.

FDIC Insured Yes
FDIC Certificate # 31826
Date Established 1976
Assets $ 189.14 million
Loans $ 108.17 million
Deposits $ 158.02 million
Capital $ 19.26 million

For a more detailed analysis of 1st Bank Oklahoma's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - July 24, 2021

Your Current Location: Virginia, VA 20146


Loan Rates - July 24, 2021

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for 1st Bank Oklahoma

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Monthly
Learn More
NMLS ID: 2890
License#: MC-3098
2.545% 2.500%
0.63 points
$1,495 fees
$988 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR 2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info
BMO Harris Bank
BMO Harris Bank
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4.840 %
$0 Learn More
More Info

Note to 1st Bank Oklahoma
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Financial Details

1st Bank Oklahoma Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of 1st Bank Oklahoma. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
1st Bank Oklahoma U.S. Bank Average
26.84% 5.29%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2021, 1st Bank Oklahoma had $3,118,000 in non-current loans and $2,081,000 in owned real estate. To cover these potential losses it had $19,262,000 in equity and $107,000 in loans loss reserves. That gives it a Texas Ratio of 26.84%.

Return on Equity
1st Bank Oklahoma U.S. Bank Average
3.41% 11.43%

1st Bank Oklahoma has a Return on Equity of 3.41% versus the BestCashCow average of 11.43%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

1st Bank Oklahoma U.S. Bank Average
10.18% 11.51%

1st Bank Oklahoma has a Capitalization of 10.18% versus the BestCashCow average of 11.51. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

1st Bank Oklahoma Balance Sheet Analysis

As of December 31, 2011, 1st Bank Oklahoma had assets of $189,136,000, loans of $108,168,000, and deposits of $158,020,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2021
Cash & Balances due from depository institutions N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 108.17 million
Loan loss allowance $ 0.11 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 2.08 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
Total deposits $ 158.02 million
      Interest-bearing deposits N.A.
      Deposits held in domestic offices N.A.
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities N.A.
      Total Liabilities N.A.
      Shareholders’ Equity $ 189.14 million

Summary Income Statement

March 31, 2021
Total Interest Income N.A.
Total Interest Expense N.A.
Net interest income N.A.
Provision for loan and lease losses N.A.
Total non interest income N.A.
Total non interest expense N.A.
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

The top three loan types in 1st Bank Oklahoma’s loan portfolio are 1-4 Family Residential Loans, Multifamily Mortgages, and Credit Card Loans.

Compared to other banks, 1st Bank Oklahoma’s loan portfolio does not show any specific loan specialty.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 0.00
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 0.00
Construction and Development Loans 0.00
Commercial Real Estate 0.00
Commercial and Industrial Loans 0.00
Farm Loans 0.00

Frequently Asked Questions About 1st Bank Oklahoma

Branches and Savings

Is 1st Bank Oklahoma FDIC insured?

Yes. It is covered under FDIC Certificate #31826.

Why does 1st Bank Oklahoma pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are 1st Bank Oklahoma CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is 1st Bank Oklahoma a commercial bank?


Where are 1st Bank Oklahoma locations?

See branch locations nearby.

Is 1st Bank Oklahoma open on Saturdays?

Is 1st Bank Oklahoma open on Sundays?

What time does 1st Bank Oklahoma open?

What time does 1st Bank Oklahoma close?

Are 1st Bank Oklahoma ATMs Open 24/7?

Do 1st Bank Oklahoma ATMs accept cash deposits?

Can 1st Bank Oklahoma customers use other ATMs?

Do 1st Bank Oklahoma branches have notaries?

Will 1st Bank Oklahoma notarize my document?

What address for 1st Bank Oklahoma should I put for incoming ACH transfers?

Will the 1st Bank Oklahoma branch print checks?

Do 1st Bank Oklahoma checks expire?

Does 1st Bank Oklahoma require US citizenship to open account?

Can 1st Bank Oklahoma close my account?

Does 1st Bank Oklahoma Report to credit bureaus?

Does 1st Bank Oklahoma Use Equifax?

What is 1st Bank Oklahoma's ACH Routing Number?

What is 1st Bank Oklahoma's SWIFT code?


Does 1st Bank Oklahoma offer mortgages?

Compare mortgage rates here.

Does 1st Bank Oklahoma offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does 1st Bank Oklahoma offer personal loans?

Compare personal loan rates here.

Does 1st Bank Oklahoma offer student loans?

Will 1st Bank Oklahoma cash a check?

Will 1st Bank Oklahoma redeem a savings bond?

Does 1st Bank Oklahoma cash savings bonds?

Will 1st Bank Oklahoma cash money orders?

Can 1st Bank Oklahoma issue a money order?

Does 1st Bank Oklahoma do currency exchange?

Background on The Bank

Who owns 1st Bank Oklahoma?

How long has 1st Bank Oklahoma been around?

Can 1st Bank Oklahoma transfer to other banks?

Does 1st Bank Oklahoma have quick pay?

Does 1st Bank Oklahoma accept rolled coins?

Will 1st Bank Oklahoma accept loose change?

Where is 1st Bank Oklahoma headquarters?

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