FIRST BANK OF THOMAS

THOMAS, OK | Micro | Est. May 28, 1904, midnight | FDIC #4209 | RSSD #328058 | FED
Latest Report: 2025-12-31

FIRST BANK OF THOMAS is amn micro FDIC-insured commercial bank headquartered in THOMAS, OK, established in May 28, 1904, midnight. As of 2025-12-31, the bank reported total assets of $53M and total deposits of $45M. Profitability stands at 1.19% ROA and 8.23% ROE, with a net interest margin of 3.85%. The bank's CET1 capital ratio is 28.65%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.82% and a Texas Ratio of 6.60%. FDIC Certificate #4209.

Assets

$53M

Deposits

$45M

Loans

$30M

Equity

$8M

Profitability

Return on Assets (ROA) 1.19%
Return on Equity (ROE) 8.23%
Net Interest Margin (NIM) 3.85%
Yield on Assets 5.82%
Cost of Funds 2.69%

Asset Quality

NPL Ratio 1.82%
Net Charge-Off Ratio --
Texas Ratio 6.60%
NPA Ratio 1.04%
ACL / Loans 1.75%

Capital & Liquidity

CET1 Ratio 28.65%
Tier 1 Capital 28.65%
Total Capital Ratio 29.91%
Leverage Ratio 15.15%
Loan-to-Deposit 66.75%

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