1st Bank Oklahoma

1698 S Lynn Riggs Blvd
Claremore, OK 74017


2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 31826
Date Established 1976
Assets $0.19 billion
Loans $0.11 billion
Deposits $0.16 billion
Capital $0.02 billion

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.

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 - August 21, 2019

Your Current Location: Virginia, VA 20146

There are currently no rates available for 1st Bank Oklahoma, but see these great savings and CD rates:

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Loan Rates - August 21, 2019

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 2019

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: MC-3098
3.527% 3.500% 0.38 $852 $1,123 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
4.490 %
$0 Learn More
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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% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s 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, 2019, 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% 9.47%

1st Bank Oklahoma has a Return on Equity of 3.41% versus the BestCashCow average of 9.47%. 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% 12.49%

1st Bank Oklahoma has a Capitalization of 10.18% versus the BestCashCow average of 12.49. 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, 2019
Cash & Balances due from depository institutions $0.00 billion
Interest-bearing balances $0.00 billion
Total securities $0.00 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.11 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.00 billion
     Total Assets $0.00 billion
Total deposits $0.16 billion
      Interest-bearing deposits $0.00 billion
      Deposits held in domestic offices $0.00 billion
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.00 billion
      Shareholders’ Equity $0.19 billion

Summary Income Statement

March 31, 2019
Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

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?

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Is 1st Bank Oklahoma open on Saturdays?

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Are 1st Bank Oklahoma ATMs Open 24/7?

Do 1st Bank Oklahoma ATMs accept cash deposits?

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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?

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Will 1st Bank Oklahoma accept loose change?

Where is 1st Bank Oklahoma headquarters?

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