FSNB, NATIONAL ASSOCIATION

LAWTON, OK | Small | Est. July 1, 1946, midnight | FDIC #16416 | RSSD #125154 | OCC
Latest Report: 2025-12-31

FSNB, NATIONAL ASSOCIATION is asn small FDIC-insured commercial bank headquartered in LAWTON, OK, established in July 1, 1946, midnight. As of 2025-12-31, the bank reported total assets of $479M and total deposits of $385M. Profitability stands at 4.52% ROA and 27.40% ROE, with a net interest margin of 3.54%. The bank's CET1 capital ratio is 16.60%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.24% and a Texas Ratio of 4.13%. FDIC Certificate #16416.

Assets

$479M

Deposits

$385M

Loans

$142M

Equity

$79M

Profitability

Return on Assets (ROA) 4.52%
Return on Equity (ROE) 27.40%
Net Interest Margin (NIM) 3.54%
Yield on Assets 3.83%
Cost of Funds 0.33%

Asset Quality

NPL Ratio 0.24%
Net Charge-Off Ratio 1.16%
Texas Ratio 4.13%
NPA Ratio 0.71%
ACL / Loans 1.83%

Capital & Liquidity

CET1 Ratio 16.60%
Tier 1 Capital 16.60%
Total Capital Ratio 17.43%
Leverage Ratio 17.33%
Loan-to-Deposit 37.03%

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