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First Texoma National Bank
Durant, OK · FDIC Certificate #13905 · Chartered 07/0
Total assets
$225.35M
Total deposits
$202.28M
Total equity
$22.65M
Net loans
$150.16M
Branches (offices)
5
Net income (YTD)
$1.27M
Rank: #2,836 of 4,213 U.S. banks by assets · #96 of 168 in Oklahoma. Assets changed 1.1% and deposits 0.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.14% |
| Return on equity | 11.48% |
| Net interest margin (YTD) | 4.99% |
| Equity to assets | 10.05% |
| Tier 1 leverage ratio | 11.60% |
| Uninsured deposits (share of deposits) | 22.9% |
| Noncurrent loans (share of loans) | 3.38% |
| Net charge-offs (share of loans) | 0.23% |
| Loans to deposits | 74.2% |
| Real estate loans (share of loans) | 85.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $128.49M | 85.6% | |
| Commercial & industrial | $11.02M | 7.3% | |
| Consumer / individual | $8.46M | 5.6% | |
| Construction & development | $14.29M | 9.5% | |
| Agricultural | $4.04M | 2.7% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $226.27M | $207.59M | $1.01M | $18.37M |
| Jun 2023 | $222.25M | $202.72M | $976.00K | $19.16M |
| Jun 2024 | $222.45M | $201.79M | $901.00K | $20.30M |
| Jun 2025 | $222.92M | $201.53M | $1.06M | $21.02M |
| Jun 2026 | $225.35M | $202.28M | $1.27M | $22.65M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Oklahoma | $180.94M | 4 |
| Texas | $21.35M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $202.28M.
Similar-sized banks
Blue Grass Savings Bank ($225.49M) · Unity National Bank Of Houston ($224.86M)
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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