First National Bank of Oklahoma

Headquarters

10900 Hefner Pointe Drive
Oklahoma City, OK 73120
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.25% 1.05% →
1-Year CD 0.50% 0.95% →
2-Year CD 0.65% 1.05% →
5-Year CD N.A. 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

First National Bank of Oklahoma is an FDIC insured institution located in Oklahoma City, OK. It was founded in 1917 and has approximately $0.58 billion in assets. Customers can open an account at one of its 4 branches.

FDIC Insured Yes
FDIC Certificate # 4211
Date Established 1917
Assets $ 579.74 million
Loans $ 453.71 million
Deposits $ 505.03 million
Capital $ 50.03 million
 

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

Deposit Rates - September 21, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Savings
0.25% $2,500 $4,999 Learn More
Money Market
0.20% $10,000 $14,999 Learn More
Money Market
0.20% $25,000 $29,999 Learn More
CD Rates APY MIN MAX
3 Mo CD
0.25% $10,000 $14,999 Learn More
3 Mo CD
0.25% $100,000 $199,999 Learn More
6 Mo CD
0.30% $10,000 $14,999 Learn More
6 Mo CD
0.30% $100,000 $199,999 Learn More
Special: 7 Mo CD
0.45% $10,000 - Learn More
12 Mo CD
0.50% $10,000 $14,999 Learn More
12 Mo CD
0.50% $100,000 $199,999 Learn More
18 Mo CD
0.60% $10,000 $14,999 Learn More
18 Mo CD
0.60% $100,000 $199,999 Learn More
24 Mo CD
0.65% $10,000 $14,999 Learn More
24 Mo CD
0.65% $100,000 $199,999 Learn More
36 Mo CD
0.70% $10,000 $14,999 Learn More
36 Mo CD
0.70% $100,000 $199,999 Learn More
48 Mo CD
0.75% $10,000 $14,999 Learn More
48 Mo CD
0.75% $100,000 $199,999 Learn More

Int Checking Rates APY MIN MAX
Int Ckg
0.10% $2,500 $3,499 Learn MoreShow Less

Loan Rates - September 21, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for First National Bank of Oklahoma

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 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
2.815% 2.750% 0.88 $2,122 $1,021 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.990 %
$0 Learn More
More Info

Note to First National Bank of Oklahoma
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Branches

First National Bank of Oklahoma 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 of Oklahoma Locations


Financial Details

First National Bank of Oklahoma Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of First National Bank of 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
First National Bank of Oklahoma U.S. Bank Average
9.87% 6.94%

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, 2020, First National Bank of Oklahoma had $5,406,000 in non-current loans and $18,000 in owned real estate. To cover these potential losses it had $50,034,000 in equity and $4,916,000 in loans loss reserves. That gives it a Texas Ratio of 9.87%.

Return on Equity
First National Bank of Oklahoma U.S. Bank Average
15.51% 7.80%

First National Bank of Oklahoma has a Return on Equity of 15.51% versus the BestCashCow average of 7.80%. 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 of Oklahoma U.S. Bank Average
8.63% 12.68%

First National Bank of Oklahoma has a Capitalization of 8.63% versus the BestCashCow average of 12.68. 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 of Oklahoma Balance Sheet Analysis

As of March 31, 2020, First National Bank of Oklahoma had assets of $579,737,000, loans of $453,706,000, and deposits of $505,034,000. 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, 2020
ASSETS
Cash & Balances due from depository institutions $ 74.69 million
Interest-bearing balances $ 64.91 million
Total securities $ 26.53 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 453.71 million
Loan loss allowance $ 4.92 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.02 million
Goodwill and other intangibles N.A.
All other assets $ 15.09 million
     Total Assets $ 529.70 million
LIABILITIES
Total deposits $ 505.03 million
      Interest-bearing deposits $ 414.37 million
      Deposits held in domestic offices $ 505.03 million
      % insured (estimated) 71.08%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 21.50 million
Subordinated debt N.A.
All other liabilities $ 3.17 million
      Total Liabilities $ 529.70 million
      Shareholders’ Equity $ 50.03 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 6.96 million
Total Interest Expense $ 1.90 million
Net interest income $ 5.06 million
Provision for loan and lease losses $ 0.52 million
Total non interest income $ 0.39 million
Total non interest expense $ 3.02 million
Pre-tax Net Operating Income $ 1.92 million

Bank Loan Profile?

The top three loan types in First National Bank of Oklahoma’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Small Business Loans.

Compared to other banks in Oklahoma, First National Bank of Oklahoma has a significantly higher percent of Small Business Loans, Commercial Real Estate 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 25.09
Multifamily
Mortgages
2.61
Credit Card Loans 0.00
Consumer Auto Loans 0.76
Small Business Loans 19.82
Construction and Development Loans 6.47
Commercial Real Estate 43.78
Commercial and Industrial Loans 10.77
Farm Loans 5.31

Frequently Asked Questions About First National Bank Of Oklahoma

Branches and Savings

Is First National Bank Of Oklahoma FDIC insured?

Yes. It is covered under FDIC Certificate #4211.

Why does First National Bank Of Oklahoma 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 Of Oklahoma CD rates not competitive?

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

Is First National Bank Of Oklahoma a commercial bank?

Yes

Where are First National Bank Of Oklahoma locations?

See branch locations nearby.

Is First National Bank Of Oklahoma open on Saturdays?

Is First National Bank Of Oklahoma open on Sundays?

What time does First National Bank Of Oklahoma open?

What time does First National Bank Of Oklahoma close?

Are First National Bank Of Oklahoma ATMs Open 24/7?

Do First National Bank Of Oklahoma ATMs accept cash deposits?

Can First National Bank Of Oklahoma customers use other ATMs?

Do First National Bank Of Oklahoma branches have notaries?

Will First National Bank Of Oklahoma notarize my document?

What address for First National Bank Of Oklahoma should I put for incoming ACH transfers?

Will the First National Bank Of Oklahoma branch print checks?

Do First National Bank Of Oklahoma checks expire?

Does First National Bank Of Oklahoma require US citizenship to open account?

Can First National Bank Of Oklahoma close my account?

Does First National Bank Of Oklahoma Report to credit bureaus?

Does First National Bank Of Oklahoma Use Equifax?

What is First National Bank Of Oklahoma's ACH Routing Number?

What is First National Bank Of Oklahoma's SWIFT code?

Products

Does First National Bank Of Oklahoma offer mortgages?

Compare mortgage rates here.

Does First National Bank Of Oklahoma offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does First National Bank Of Oklahoma offer personal loans?

Compare personal loan rates here.

Does First National Bank Of Oklahoma offer student loans?

Will First National Bank Of Oklahoma cash a check?

Will First National Bank Of Oklahoma redeem a savings bond?

Does First National Bank Of Oklahoma cash savings bonds?

Will First National Bank Of Oklahoma cash money orders?

Can First National Bank Of Oklahoma issue a money order?

Does First National Bank Of Oklahoma do currency exchange?

Background on The Bank

Who owns First National Bank Of Oklahoma?

How long has First National Bank Of Oklahoma been around?

Can First National Bank Of Oklahoma transfer to other banks?

Does First National Bank Of Oklahoma have quick pay?

Does First National Bank Of Oklahoma accept rolled coins?

Will First National Bank Of Oklahoma accept loose change?

Where is First National Bank Of Oklahoma headquarters?

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