BanksFIRST AMERICAN BANK

FIRST AMERICAN BANK

STONEWALL, OKMicroEst. July 4, 1940, midnightFDIC #15762RSSD #321255FDIC
Latest · 2025-12-31

FIRST AMERICAN BANK is an 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%. CET1 capital ratio: 13.06%, well above regulatory minimums. NPL ratio: 1.14% · Texas Ratio: 5.77%. Operates 1 domestic branch.

Assets
$35M
Deposits
$30M
Loans
$22M
Equity
$5M

Profitability

Return on Assets (ROA)1.42%
Return on Equity (ROE)10.96%
Net Interest Margin5.15%
Yield on Assets6.25%
Cost of Funds1.17%

Asset Quality

NPL Ratio1.14%
Net Charge-Off Ratio0.03%
Texas Ratio5.77%
NPA Ratio0.83%
ACL / Loans2.04%

Capital & Liquidity

CET1 Ratio13.06%
Tier 1 Capital13.06%
Total Capital Ratio13.71%
Leverage Ratio12.95%
Loan-to-Deposit74.12%

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