FSNB, National Association

1420 Southwest Lee Blvd
Lawton, OK 73501

 

2018 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 16416
Date Established 1946
Assets $0.40 billion
Loans $0.15 billion
Deposits $0.33 billion
Capital $0.06 billion

FSNB, National Association is an FDIC insured institution located in Lawton, OK. It was founded in 1946 and has approximately $0.4 billion in assets. Customers can open an account at one of its 88 branches.

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

Bank Loan Profile?

The top three loan types in FSNB, National Association’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Consumer Auto Loans.

Compared to other banks in Oklahoma, FSNB, National Association has a significantly higher percent of Credit Card 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 34.67
Multifamily
Mortgages
3.28
Credit Card Loans 0.46
Consumer Auto Loans 5.77
Small Business Loans 5.02
Construction and Development Loans 1.35
Commercial Real Estate 35.92
Commercial and Industrial Loans 4.75
Farm Loans 0.00

Deposit Rates - October 15, 2018

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.15% $2,500 - Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
0.15% $500 - Learn MoreShow Less
6 Mo CD
0.20% $500 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
0.35% $500 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.08% $500 - Learn MoreShow Less

Loan Rates - October 15, 2018

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for FSNB, National Association

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 2018

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
J.G. Wentworth Home Lending, LLC
NMLS ID: 2925
License#: MC-1875
4.750% 4.750% 0.00 $0 $1,305 Learn More
AimLoan.com NMLS#2890
NMLS ID: 2890
License#: MC-3098
4.565% 4.500% 0.38 $2,007 $1,267 Learn More
First Internet Bank
NMLS ID: 424182
4.659% 4.625% 0.38 $988 $1,286 Learn More
Rocket Mortgage
NMLS ID: 3030
5.125% 5.125% 0.00 $0 $1,362 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2018

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 4.240% $245.68 Learn More
Flagstar Bank 5.490% $283.58 Learn More

Note to FSNB, National Association
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

FSNB, National Association 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:
Ashburn,Virginia


FSNB, National Association Locations

Financial Details

FSNB, National Association Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of FSNB, National Association. 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
FSNB, National Association U.S. Bank Average
1.92% 7.92%

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 June 30, 2018, FSNB, National Association had $287,000 in non-current loans and $906,000 in owned real estate. To cover these potential losses it had $59,340,000 in equity and $2,827,000 in loans loss reserves. That gives it a Texas Ratio of 1.92%.

Return on Equity
FSNB, National Association U.S. Bank Average
24.44% 9.77%

FSNB, National Association has a Return on Equity of 24.44% versus the BestCashCow average of 9.77%. 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
FSNB, National Association U.S. Bank Average
14.81% 12.31%

FSNB, National Association has a Capitalization of 14.81% versus the BestCashCow average of 12.31. 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.

FSNB, National Association Balance Sheet Analysis

As of June 30, 2018, FSNB, National Association had assets of $400,674,000, loans of $146,063,000, and deposits of $325,069,000. 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

June 30, 2018
ASSETS
Cash & Balances due from depository institutions $0.08 billion
Interest-bearing balances $0.05 billion
Total securities $0.14 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.15 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 $0.01 billion
     Total Assets $0.34 billion
LIABILITIES
Total deposits $0.33 billion
      Interest-bearing deposits $0.31 billion
      Deposits held in domestic offices $0.33 billion
      % insured (estimated) 93.51%
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 $0.01 billion
      Total Liabilities $0.34 billion
      Shareholders’ Equity $0.06 billion

Summary Income Statement

June 30, 2018
INCOME AND EXPENSES
Total Interest Income $0.01 billion
Total Interest Expense $0.00 billion
Net interest income $0.01 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.03 billion
Total non interest expense $0.02 billion
Pre-tax Net Operating Income $0.01 billion

Frequently Asked Questions About Fsnb, National Association

Branches and Savings

Is Fsnb, National Association FDIC insured?

Yes. It is covered under FDIC Certificate #16416.

Why does Fsnb, National Association pay such low interest on savings accounts?

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

Why are Fsnb, National Association CD rates not competitive?

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

Is Fsnb, National Association a commercial bank?

Yes

Where are Fsnb, National Association locations?

See branch locations nearby.

Is Fsnb, National Association open on Saturdays?

Is Fsnb, National Association open on Sundays?

What time does Fsnb, National Association open?

What time does Fsnb, National Association close?

Are Fsnb, National Association ATMs Open 24/7?

Do Fsnb, National Association ATMs accept cash deposits?

Can Fsnb, National Association customers use other ATMs?

Do Fsnb, National Association branches have notaries?

Will Fsnb, National Association notarize my document?

What address for Fsnb, National Association should I put for incoming ACH transfers?

Will the Fsnb, National Association branch print checks?

Do Fsnb, National Association checks expire?

Does Fsnb, National Association require US citizenship to open account?

Can Fsnb, National Association close my account?

Does Fsnb, National Association Report to credit bureaus?

Does Fsnb, National Association Use Equifax?

What is Fsnb, National Association's ACH Routing Number?

What is Fsnb, National Association's SWIFT code?

Products

Does Fsnb, National Association offer mortgages?

Compare mortgage rates here.

Does Fsnb, National Association offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Fsnb, National Association offer personal loans?

Compare personal loan rates here.

Does Fsnb, National Association offer student loans?

Will Fsnb, National Association cash a check?

Will Fsnb, National Association redeem a savings bond?

Does Fsnb, National Association cash savings bonds?

Will Fsnb, National Association cash money orders?

Can Fsnb, National Association issue a money order?

Does Fsnb, National Association do currency exchange?

Background on The Bank

Who owns Fsnb, National Association?

How long has Fsnb, National Association been around?

Can Fsnb, National Association transfer to other banks?

Does Fsnb, National Association have quick pay?

Does Fsnb, National Association accept rolled coins?

Will Fsnb, National Association accept loose change?

Where is Fsnb, National Association headquarters?

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