FIRST AMERICAN BANK

STONEWALL, OK | Micro | Est. July 4, 1940, midnight | FDIC #15762 | RSSD #321255 | FDIC
Latest Report: 2025-12-31

FIRST AMERICAN BANK is amn micro FDIC-insured commercial bank headquartered in STONEWALL, OK, established in July 4, 1940, midnight. As of 2025-12-31, the bank reported total assets of $35M and total deposits of $30M. Profitability stands at 1.42% ROA and 10.96% ROE, with a net interest margin of 5.15%. The bank's CET1 capital ratio is 13.06%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.14% and a Texas Ratio of 5.77%. FDIC Certificate #15762.

Assets

$35M

Deposits

$30M

Loans

$22M

Equity

$5M

Profitability

Return on Assets (ROA) 1.42%
Return on Equity (ROE) 10.96%
Net Interest Margin (NIM) 5.15%
Yield on Assets 6.25%
Cost of Funds 1.52%

Asset Quality

NPL Ratio 1.14%
Net Charge-Off Ratio 0.03%
Texas Ratio 5.77%
NPA Ratio 0.83%
ACL / Loans 2.04%

Capital & Liquidity

CET1 Ratio 13.06%
Tier 1 Capital 13.06%
Total Capital Ratio 13.71%
Leverage Ratio 12.95%
Loan-to-Deposit 74.12%

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