FIRST TEXOMA NATIONAL BANK

DURANT, OK | Small | Est. July 8, 1898, midnight | FDIC #13905 | RSSD #388155 | OCC
Latest Report: 2025-12-31

FIRST TEXOMA NATIONAL BANK is asn small FDIC-insured commercial bank headquartered in DURANT, OK, established in July 8, 1898, midnight. As of 2025-12-31, the bank reported total assets of $218M and total deposits of $196M. Profitability stands at 0.80% ROA and 7.89% ROE, with a net interest margin of 5.24%. The bank's CET1 capital ratio is 9.55%. Asset quality metrics show a non-performing loan ratio of 3.51% and a Texas Ratio of 22.38%. FDIC Certificate #13905.

Assets

$218M

Deposits

$196M

Loans

$151M

Equity

$22M

Profitability

Return on Assets (ROA) 0.80%
Return on Equity (ROE) 7.89%
Net Interest Margin (NIM) 5.24%
Yield on Assets 6.12%
Cost of Funds 0.91%

Asset Quality

NPL Ratio 3.51%
Net Charge-Off Ratio 0.25%
Texas Ratio 22.38%
NPA Ratio 2.44%
ACL / Loans 1.41%

Capital & Liquidity

CET1 Ratio 9.55%
Tier 1 Capital 9.55%
Total Capital Ratio 10.02%
Leverage Ratio 11.13%
Loan-to-Deposit 77.40%

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