First National Bank in Pawhuska

Headquarters

100 W. Main St
Pawhuska, OK 74056
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.85% →
1-Year CD N.A. 0.80% →
2-Year CD N.A. 0.80% →
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

First National Bank in Pawhuska is an FDIC insured institution located in Pawhuska, OK. It was founded in 1906 and has approximately $0.03 billion in assets.

FDIC Insured Yes
FDIC Certificate # 4174
Date Established 1906
Assets $ 30.83 million
Loans $ 7.56 million
Deposits $ 27.25 million
Capital $ 3.34 million
 

For a more detailed analysis of First National Bank in Pawhuska's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - September 23, 2021

Your Current Location: Connecticut, CT 06828

 

Loan Rates - September 23, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for First National Bank in Pawhuska

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




Featured - Connecticut 30 Year Fixed Mortgage Rates 2021

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Featured - Connecticut Home Equity Line Of Credit Rates 2021

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Intro APR 2.990 %
After Intro: 3.750 %
Intro Period: 12 months
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After Intro: 4.840 %
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Third Federal Savings and Loan
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Note to First National Bank in Pawhuska
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Branches

First National Bank in Pawhuska branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Fairfield,Connecticut


First National Bank in Pawhuska Locations


Financial Details

First National Bank in Pawhuska Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of First National Bank in Pawhuska. 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
First National Bank in Pawhuska U.S. Bank Average
20.46% 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, First National Bank in Pawhuska had $736,000 in non-current loans and $48,000 in owned real estate. To cover these potential losses it had $3,336,000 in equity and $495,000 in loans loss reserves. That gives it a Texas Ratio of 20.46%.

Return on Equity
First National Bank in Pawhuska U.S. Bank Average
4.98% 11.43%

First National Bank in Pawhuska has a Return on Equity of 4.98% 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.

Capitalization
First National Bank in Pawhuska U.S. Bank Average
10.82% 11.51%

First National Bank in Pawhuska has a Capitalization of 10.82% 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.

First National Bank in Pawhuska Balance Sheet Analysis

As of September 30, 2014, First National Bank in Pawhuska had assets of $28,739,000, loans of $7,564,000, and deposits of $27,250,000. 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
ASSETS
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 $ 7.56 million
Loan loss allowance $ 0.50 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.05 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
LIABILITIES
Total deposits $ 27.25 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 $ 30.83 million

Summary Income Statement

March 31, 2021
INCOME AND EXPENSES
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 First National Bank in Pawhuska’s loan portfolio are 1-4 Family Residential Loans, Small Business Loans, and Commercial Real Estate.

Compared to other banks in Oklahoma, First National Bank in Pawhuska has a significantly higher percent of 1-4 Family Residential Loans, Consumer Auto Loans, Small Business Loans on its balance sheet, potentially indicating a specialty in that lending area.

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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 39.93
Multifamily
Mortgages
0.00
Credit Card Loans 0.00
Consumer Auto Loans 16.20
Small Business Loans 18.47
Construction and Development Loans 0.37
Commercial Real Estate 18.47
Commercial and Industrial Loans 6.32
Farm Loans 5.96

Frequently Asked Questions About First National Bank In Pawhuska

Branches and Savings

Is First National Bank In Pawhuska FDIC insured?

Yes. It is covered under FDIC Certificate #4174.

Why does First National Bank In Pawhuska pay such low interest on savings accounts?

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

Why are First National Bank In Pawhuska CD rates not competitive?

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

Is First National Bank In Pawhuska a commercial bank?

Yes

Where are First National Bank In Pawhuska locations?

See branch locations nearby.

Is First National Bank In Pawhuska open on Saturdays?

Is First National Bank In Pawhuska open on Sundays?

What time does First National Bank In Pawhuska open?

What time does First National Bank In Pawhuska close?

Are First National Bank In Pawhuska ATMs Open 24/7?

Do First National Bank In Pawhuska ATMs accept cash deposits?

Can First National Bank In Pawhuska customers use other ATMs?

Do First National Bank In Pawhuska branches have notaries?

Will First National Bank In Pawhuska notarize my document?

What address for First National Bank In Pawhuska should I put for incoming ACH transfers?

Will the First National Bank In Pawhuska branch print checks?

Do First National Bank In Pawhuska checks expire?

Does First National Bank In Pawhuska require US citizenship to open account?

Can First National Bank In Pawhuska close my account?

Does First National Bank In Pawhuska Report to credit bureaus?

Does First National Bank In Pawhuska Use Equifax?

What is First National Bank In Pawhuska's ACH Routing Number?

What is First National Bank In Pawhuska's SWIFT code?

Products

Does First National Bank In Pawhuska offer mortgages?

Compare mortgage rates here.

Does First National Bank In Pawhuska offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does First National Bank In Pawhuska offer personal loans?

Compare personal loan rates here.

Does First National Bank In Pawhuska offer student loans?

Will First National Bank In Pawhuska cash a check?

Will First National Bank In Pawhuska redeem a savings bond?

Does First National Bank In Pawhuska cash savings bonds?

Will First National Bank In Pawhuska cash money orders?

Can First National Bank In Pawhuska issue a money order?

Does First National Bank In Pawhuska do currency exchange?

Background on The Bank

Who owns First National Bank In Pawhuska?

How long has First National Bank In Pawhuska been around?

Can First National Bank In Pawhuska transfer to other banks?

Does First National Bank In Pawhuska have quick pay?

Does First National Bank In Pawhuska accept rolled coins?

Will First National Bank In Pawhuska accept loose change?

Where is First National Bank In Pawhuska headquarters?

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