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First Bank Of Owasso
Owasso, OK · FDIC Certificate #18592 · Chartered 09/0
Total assets
$639.27M
Total deposits
$538.66M
Total equity
$99.25M
Net loans
$486.22M
Branches (offices)
3
Net income (YTD)
$8.73M
Rank: #1,481 of 4,213 U.S. banks by assets · #41 of 168 in Oklahoma. Assets changed 7.8% and deposits 7.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.80% |
| Return on equity | 17.91% |
| Net interest margin (YTD) | 4.84% |
| Equity to assets | 15.53% |
| Tier 1 leverage ratio | 15.67% |
| Uninsured deposits (share of deposits) | 30.8% |
| Noncurrent loans (share of loans) | 0.01% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 90.3% |
| Real estate loans (share of loans) | 97.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $472.98M | 97.3% | |
| Commercial & industrial | $17.30M | 3.6% | |
| Consumer / individual | $1.97M | 0.4% | |
| Construction & development | $31.62M | 6.5% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $621.68M | $558.17M | $5.72M | $63.23M |
| Jun 2023 | $572.59M | $498.91M | $10.29M | $73.04M |
| Jun 2024 | $528.89M | $444.69M | $10.77M | $83.42M |
| Jun 2025 | $592.81M | $499.78M | $9.01M | $92.18M |
| Jun 2026 | $639.27M | $538.66M | $8.73M | $99.25M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Oklahoma | $538.66M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $538.66M.
Similar-sized banks
The State National Bank Of Big Spring ($640.05M) · Verimore Bank ($639.09M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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