FIRST BANK OF OWASSO

OWASSO, OK | Medium | Est. Sept. 8, 1962, midnight | FDIC #18592 | RSSD #637554 | FDIC
Latest Report: 2025-12-31

FIRST BANK OF OWASSO is amn medium FDIC-insured commercial bank headquartered in OWASSO, OK, established in Sept. 8, 1962, midnight. As of 2025-12-31, the bank reported total assets of $584M and total deposits of $487M. Profitability stands at 3.24% ROA and 20.06% ROE, with a net interest margin of 5.48%. The bank's CET1 capital ratio is 18.61%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #18592.

Assets

$584M

Deposits

$487M

Loans

$470M

Equity

$97M

Profitability

Return on Assets (ROA) 3.24%
Return on Equity (ROE) 20.06%
Net Interest Margin (NIM) 5.48%
Yield on Assets 7.22%
Cost of Funds 1.91%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.00%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.39%

Capital & Liquidity

CET1 Ratio 18.61%
Tier 1 Capital 18.61%
Total Capital Ratio 19.86%
Leverage Ratio 16.72%
Loan-to-Deposit 96.67%

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