FSNB, National Association


1420 Southwest Lee Blvd
Lawton, OK 73501
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.10% 1.40% →
1-Year CD 0.30% 1.15% →
2-Year CD N.A. 1.26% →
5-Year CD 0.50% 1.56% →
30-Year Mortgage N.A. 3.09% →
15-Year Mortgage N.A. 2.59% →
HELOC N.A. 2.77% →

2020 Overview

General Bank Information

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.

FDIC Insured Yes
FDIC Certificate # 16416
Date Established 1946
Assets $ 400.20 million
Loans $ 160.85 million
Deposits $ 323.77 million
Capital $ 64.67 million

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.

Deposit Rates - July 12, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
0.10% $5 $4,999 Learn More
3 Mo CD
0.15% $500 - Learn More
6 Mo CD
0.20% $500 - Learn More
12 Mo CD
0.30% $500 - Learn More
18 Mo CD
0.35% $500 - Learn More
30 Mo CD
0.35% $500 - Learn More
60 Mo CD
0.50% $500 - Learn More

Fixed IRA
0.35% $500 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $5 - Learn MoreShow Less

Loan Rates - July 12, 2020

Your Current Location: Connecticut, CT 06828

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 - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: 13256
2.950% 2.875% 1.00 $2,438 $1,038 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
2.990 %
$0 Learn More
More Info
PenFed Credit Union
PenFed Credit Union
3.750 %
$0 Learn More
More Info

Note to FSNB, National Association
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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.

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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
1.87% 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, FSNB, National Association had $962,000 in non-current loans and $306,000 in owned real estate. To cover these potential losses it had $64,672,000 in equity and $3,208,000 in loans loss reserves. That gives it a Texas Ratio of 1.87%.

Return on Equity
FSNB, National Association U.S. Bank Average
14.04% 7.80%

FSNB, National Association has a Return on Equity of 14.04% 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.

FSNB, National Association U.S. Bank Average
16.16% 12.68%

FSNB, National Association has a Capitalization of 16.16% 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.

FSNB, National Association Balance Sheet Analysis

As of March 31, 2020, FSNB, National Association had assets of $400,200,000, loans of $160,849,000, and deposits of $323,765,000. 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
Cash & Balances due from depository institutions $ 55.06 million
Interest-bearing balances $ 25.92 million
Total securities $ 150.68 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 160.85 million
Loan loss allowance $ 3.21 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.31 million
Goodwill and other intangibles N.A.
All other assets $ 16.35 million
     Total Assets $ 335.53 million
Total deposits $ 323.77 million
      Interest-bearing deposits $ 308.89 million
      Deposits held in domestic offices $ 323.77 million
      % insured (estimated) 93.95%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 2.92 million
Subordinated debt N.A.
All other liabilities $ 8.85 million
      Total Liabilities $ 335.53 million
      Shareholders’ Equity $ 64.67 million

Summary Income Statement

March 31, 2020
Total Interest Income $ 2.97 million
Total Interest Expense $ 0.18 million
Net interest income $ 2.79 million
Provision for loan and lease losses $ 0.75 million
Total non interest income $ 13.52 million
Total non interest expense $ 12.23 million
Pre-tax Net Operating Income $ 3.34 million

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 Commercial and Industrial Loans.

Compared to other banks in Oklahoma, FSNB, National Association has a significantly higher percent of Credit Card 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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 29.13
Credit Card Loans 0.34
Consumer Auto Loans 2.33
Small Business Loans 3.81
Construction and Development Loans 0.17
Commercial Real Estate 40.78
Commercial and Industrial Loans 4.36
Farm Loans 0.00

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?


Where are Fsnb, National Association locations?

See branch locations nearby.

Is Fsnb, National Association open on Saturdays?

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Are Fsnb, National Association ATMs Open 24/7?

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Does Fsnb, National Association Report to credit bureaus?

Does Fsnb, National Association Use Equifax?

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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?

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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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