What is First Texoma National Bank's financial health grade?

First Texoma National Bank has a TFS Financial Health Grade of D- (score: 60.6/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does First Texoma National Bank have?

First Texoma National Bank has 5 branch locations across the United States.

Is First Texoma National Bank FDIC insured?

Yes, First Texoma National Bank is FDIC insured (Certificate #13905).

What are the total assets of First Texoma National Bank?

First Texoma National Bank has total assets of $217.6M as reported in its most recent FDIC filing.

First Texoma National Bank

BankDurant, Oklahoma

www.ftnb.net

Total Assets

$217.6M

Total Deposits

$195.6M

Branches

Established

1898

TFS Health Grade

D-

60.6 / 100

Below average financial health

How we grade

First Texoma National Bank is a bank headquartered in Durant, Oklahoma, established in 1898. With $217.6M in total assets and 5 branch locations, it has a TFS Financial Health Grade of D- (60.6/100).

Capital & Safety

Tier 1 Capital Ratio

11.13%(8%)

Total Capital Ratio

0.00%(10%)

Non-Performing Loan Ratio

3.51%

Profitability

Return on Assets (ROA)

0.97%(1%)

Return on Equity (ROE)

10.20%(10%)

Net Interest Margin

4.82%

Efficiency Ratio

71.36%(60%)

Lending & Liquidity

Total Loans

$151.4M

Loan-to-Deposit Ratio

76.31%

Net Charge-Off Ratio

0.25%

Growth

Asset Growth (YoY)

-1.80%

Deposit Growth (YoY)

-3.02%

Net Income

$2.2M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
First Texoma National BankHQ	220 W Main St	Durant	OK	11
First Texoma National Bank	615 Hunter Ave	Boswell	OK	11
First Texoma National Bank	420 W Main St	Durant	OK	23
First Texoma National Bank	1825 W University Blvd	Durant	OK	11
First Texoma National Bank	2626 N Loy Lake Rd	Sherman	TX	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.