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Fsnb, National Association
Lawton, OK · FDIC Certificate #16416 · Chartered 07/0
Total assets
$478.28M
Total deposits
$369.71M
Total equity
$83.05M
Net loans
$144.83M
Branches (offices)
68
Net income (YTD)
$8.23M
Rank: #1,842 of 4,213 U.S. banks by assets · #55 of 168 in Oklahoma. Assets changed 1.2% and deposits 1.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 3.46% |
| Return on equity | 20.45% |
| Net interest margin (YTD) | 3.72% |
| Equity to assets | 17.37% |
| Tier 1 leverage ratio | 17.51% |
| Uninsured deposits (share of deposits) | 8.2% |
| Noncurrent loans (share of loans) | 0.36% |
| Net charge-offs (share of loans) | 1.02% |
| Loans to deposits | 39.2% |
| Real estate loans (share of loans) | 78.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $113.78M | 78.6% | |
| Commercial & industrial | $7.69M | 5.3% | |
| Consumer / individual | $4.74M | 3.3% | |
| Construction & development | $200.00K | 0.1% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $488.12M | $397.57M | $6.45M | $59.66M |
| Jun 2023 | $485.29M | $400.22M | $6.89M | $60.16M |
| Jun 2024 | $459.18M | $371.32M | $7.41M | $66.31M |
| Jun 2025 | $472.58M | $364.10M | $6.79M | $71.31M |
| Jun 2026 | $478.28M | $369.71M | $8.23M | $83.05M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Oklahoma | $222.94M | 6 |
| Tennessee | $49.27M | 28 |
| Texas | $36.93M | - |
| North Carolina | $36.80M | 12 |
| Delaware | $8.43M | - |
| Mississippi | $7.74M | 7 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $369.71M.
Similar-sized banks
Seamen'S Bank ($478.45M) · First State Bank ($478.05M)
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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