Bank of Eufaula
Bank of Eufaula is an FDIC-insured commercial bank headquartered in Eufaula, OK, supervised by the Federal Reserve, with $87.1M in total assets at Q2 2026, down 9.0% from Q2 2025, the 136th largest of 169 banks headquartered in Oklahoma. It was established in 1911 and holds FDIC certificate 4094. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.10% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
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Data as of · sourced from FFIEC call reports. How we update
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 4094
- Headquarters
- Eufaula, OK
- Established
- 1911
- Total assets, Q2 2026
- $87.1M
- Assets vs Q2 2025
- -9.0%
- Tier 1 leverage ratio, Q2 2026
- 12.10%
- Domestic offices
- 2 · Bank of Eufaula branches FDIC institution directory, current count
- Routing number
- 103103338
- Safety and soundness
- Is Bank of Eufaula safe?
- Latest call report
- Q2 2026, FFIEC 051 · Bank of Eufaula Q3 2026 call report, filed October 20, 2026 (preliminary)
- Holding company
- S N B BANCSHARES, INC.
- Asset rank in state
- 136th of 169 in Oklahoma
Bank of Eufaula, based in Eufaula, Oklahoma, reported $87 million in assets at June 30, 2026, down 9.0% from a year earlier. It pays an average of 0.53% on its deposits and borrowings, about a third the median of 1.53% for the 533 banks with less than $100 million in assets. It also lost 11.3% of its deposits over the year, lower than about 9 in 10 banks its size (median 2.5%).
Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.46% of loans from 2.65%. It lost $2,000 in the quarter. Costs are the weak spot: it spends about 100 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 69 cents).
As of June 30, 2026, Bank of Eufaula reported a return on assets of -0.01%, a nonperforming-loan ratio of 0.46% and a Texas ratio of 4.12%. The figures come from its call report filed with the FFIEC.
Of the 169 banks headquartered in Oklahoma, Bank of Eufaula is the 136th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 2.2% to $87.1M, loans rose 1.8% and deposits rose 2.7%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 46.7% of total loans, ahead of non-owner-occupied commercial real estate loans at 21.5%. The FDIC Summary of Deposits lists 2 offices for it, in Eufaula, OK. On its Q2 2026 call report, Bank of Eufaula meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 102 N Main St, Eufaula, OK 74432
- County
- Mcintosh
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- March 7, 1911
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 23
- Domestic deposits
- $77.0M
- Allowance for credit losses
- $508K
- Net charge-offs (YTD)
- $2K
- Average total assets
- $87.4M
- Average total loans
- $23.0M
- Average interest-bearing deposits
- $48.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 4094
- Fed RSSD
- 343051
- Website
- WWW.BANKOFEUFAULA.COM →
- Parent Holding Company
- S N B BANCSHARES, INC. (RSSD 1064184)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. After a merger that grows assets 25% or more, the UBPR averages balances from the merger date on while the income stays year to date, so a YTD ratio can differ widely from the ratio of either quarter. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Bank of Eufaula reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Bank of Eufaula's total assets ran between $85.3M (Q1 2026) and $119.2M (Q4 2023), and it earned a profit in 4 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$87.1M total assets against $95.8M; $77.6M total liabilities against $87.4M.
$22.7M net loans and leases against $23.3M; $77.0M total deposits against $86.8M.
$48.8M securities against $53.5M; $7.0M cash and balances due against $10.5M.
$793K total interest income against $871K; $101K total interest expense against $74K.
$692K net interest income against $797K.
$105K total noninterest income against $80K; $800K total noninterest expense against $854K.
$0 provision for credit losses against $10K.
-$2K net income against $9K.
-0.01% return on assets against 0.04%; 3.55% net interest margin against 3.62%.
12.10% tier 1 leverage ratio against 10.11%.
Inside the full Bank of Eufaula terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeQuarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -0.56% (Q3 2024) to 0.14% (Q1 2025) and its net interest margin ran from 3.17% (Q3 2024) to 3.62% (Q2 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.10% | -0.01% | 0.46% | 4.12% | 3.55% |
| Q1 2026 | 12.24% | -0.06% | 0.42% | 4.61% | 3.54% |
| Q4 2025 | 11.89% | 0.02% | 1.11% | 5.91% | 3.39% |
| Q3 2025 | 11.19% | 0.00% | 2.24% | 8.65% | 3.37% |
| Q2 2025 | 10.11% | 0.04% | 2.65% | 12.69% | 3.62% |
| Q1 2025 | 9.81% | 0.14% | 7.14% | 27.24% | 3.20% |
| Q4 2024 | 9.70% | -0.54% | 8.20% | 31.16% | 3.36% |
| Q3 2024 | 9.69% | -0.56% | 7.06% | 26.04% | 3.17% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Bank of Eufaula (main office) | Eufaula , OK | 74432 | $77.0M |
| Drive-In Branch | Eufaula , OK | 74432 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve); 3 against individuals associated with it
- August 7, 2024, Federal Reserve: Written Agreement: SNB Bancshares, Inc., Eufaula, Oklahoma, and Bank of Eufaula, Eufaula, Oklahoma
- Period: Most recent institution action August 7, 2024. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in OK, rank 153 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Bank of Eufaula
What are Bank of Eufaula's total assets?
As of the Q2 2026 filing, Bank of Eufaula reported total assets of $87.1 million in its FFIEC call report.
Where is Bank of Eufaula headquartered?
It is headquartered in Eufaula, OK, United States.
When was Bank of Eufaula founded?
It was established in 1911, per the FDIC institution directory.
Is Bank of Eufaula FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #4094). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of Eufaula?
Bank of Eufaula's primary federal regulator is the Federal Reserve.
How many branches does Bank of Eufaula operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bank of Eufaula's Texas Ratio?
Its Texas Ratio is 4.12% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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