Brooks Bank, N.A.
Brooks Bank, N.A. is an FDIC-insured commercial bank headquartered in Chickasha, OK, supervised by the OCC, with $1.07B in total assets at Q2 2026, up 2.8% from Q2 2025, the 22nd largest of 169 banks headquartered in Oklahoma. It was established in 1892 and holds FDIC certificate 4062. It reports no CET1 ratio; its Tier 1 leverage ratio was 13.31% 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
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 4062
- Headquarters
- Chickasha, OK
- Established
- 1892
- Total assets, Q2 2026
- $1.07B
- Assets vs Q2 2025
- +2.8%
- Tier 1 leverage ratio, Q2 2026
- 13.31%
- Domestic offices
- 9 · Brooks Bank, N.A. branches FDIC institution directory, current count
- Routing number
- 103100467
- Safety and soundness
- Is Brooks Bank, N.A. safe?
- Latest call report
- Q2 2026, FFIEC 051 · Brooks Bank, N.A. Q3 2026 call report, filed October 23, 2026 (preliminary)
- Holding company
- FIRST INDEPENDENT BANCORP, INC.
- Asset rank in state
- 22nd of 169 in Oklahoma
Brooks Bank, N.A. is one of the more profitable banks of its size. Its balance sheet stood at $1.1 billion at June 30, 2026, up 2.8% from a year earlier; it is based in Chickasha, Oklahoma. It earns about $2.11 a year on every $100 of assets, higher than about three-quarters of the 880 banks with $1 billion to $10 billion in assets (median $1.29). On the other hand, it carries problem assets equal to 11.6% of the capital and reserves that would absorb them, about triple the median of 3.6% for banks its size. Much of that comes from cost control: it spends about 48 cents to bring in each dollar of revenue.
Its $114 million non-owner-occupied commercial real estate book is improving, with 3.71% past due or on nonaccrual, down from 5.09% a year earlier. The commercial and industrial book ($69 million) is worsening: 8.41% of it is past due or on nonaccrual, up from 7.53% a year earlier.
As of June 30, 2026, Brooks Bank, N.A. reported a return on assets of 2.11%, a nonperforming-loan ratio of 2.61% and a Texas ratio of 11.62%. The figures come from its call report filed with the FFIEC.
Brooks Bank, N.A. ranks as the 22nd largest of the 169 banks based in Oklahoma, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.2% to $1.07B, loans fell 1.5% and deposits rose 0.1%. Non-owner-occupied commercial real estate loans made up 21.7% of its total loans on June 30, 2026, its largest category; next came construction and land development loans at 18.2%. The FDIC Summary of Deposits lists 9 offices for it, in 7 cities in OK; its Chickasha 3 offices book 55% of its branch deposits. By the capital ratios in its Q2 2026 call report, Brooks Bank, N.A. meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 302 W Chickasha Ave, Chickasha, OK 73018
- County
- Grady
- Metro Area
- Oklahoma City, OK
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- August 21, 1892
- Former names
- The First National Bank and Trust Co., Chickasha, Oklahoma (1965-2026); The First National Bank in Chickasha (1939-1965)
- Domestic offices
- 9 FDIC institution directory, current count
- Employees (FTE)
- 160
- Domestic deposits
- $897.1M
- Allowance for credit losses
- $6.9M
- Net charge-offs (YTD)
- -$282K
- Average total assets
- $1.09B
- Average total loans
- $525.4M
- Average interest-bearing deposits
- $668.3M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 4062
- Fed RSSD
- 154154
- Website
- www.bankfnbt.com →
- Parent Holding Company
- FIRST INDEPENDENT BANCORP, INC. (RSSD 1065163)
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, Brooks Bank, N.A. reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Brooks Bank, N.A.'s total assets moved between a low of $988.6M (Q3 2023) and a high of $1.07B (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.07B total assets against $1.04B; $933.1M total liabilities against $925.5M.
$516.4M net loans and leases against $510.9M; $897.1M total deposits against $877.0M.
$464.2M securities against $450.3M; $24.6M cash and balances due against $14.7M.
$13.2M total interest income against $13.0M; $3.8M total interest expense against $4.3M.
$9.4M net interest income against $8.7M.
$1.8M total noninterest income against $1.8M; $5.8M total noninterest expense against $5.4M.
-$351K provision for credit losses against $6K.
$5.8M net income against $5.1M.
2.11% return on assets against 1.92%; 3.97% net interest margin against 3.72%.
13.31% tier 1 leverage ratio against 12.74%.
Inside the full Brooks Bank, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeBrooks Bank, N.A. rankings
Its closest position to the top of a national ranking is 386 of 3,611, for ROA; its furthest is 824 of 980, for uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.62% (Q1 2025) to 2.40% (Q3 2025) and its net interest margin ran from 3.43% (Q3 2024) to 3.97% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.31% | 2.11% | 2.61% | 11.62% | 3.97% |
| Q1 2026 | 13.67% | 1.98% | 2.70% | 12.52% | 3.90% |
| Q4 2025 | 13.40% | 2.23% | 2.75% | 12.72% | 3.89% |
| Q3 2025 | 13.27% | 2.40% | 2.39% | 11.67% | 3.92% |
| Q2 2025 | 12.74% | 1.92% | 2.62% | 13.86% | 3.72% |
| Q1 2025 | 12.74% | 1.62% | 2.54% | 13.82% | 3.55% |
| Q4 2024 | 12.52% | 1.83% | 1.42% | 8.77% | 3.59% |
| Q3 2024 | 12.24% | 1.73% | 1.46% | 8.37% | 3.43% |
Swipe the table sideways to see every column.
Branch Network
View all 9 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 |
|---|---|---|---|
| The First National Bank and Trust Co., Chickasha, Oklahoma | Chickasha , OK | 73018 | $389.5M |
| Blanchard Branch | Blanchard , OK | 73010 | $120.8M |
| Grand Avenue Branch | Chickasha , OK | 73018 | $101.8M |
| Tuttle Branch | Tuttle , OK | 73089 | $87.5M |
| Newcastle Branch | Newcastle , OK | 73065 | $84.9M |
| Minco Branch | Minco , OK | 73059 | $59.1M |
| South Okc Branch | Oklahoma City , OK | 73179 | $43.1M |
| Fnbt Goldsby Branch | Goldsby , OK | 73093 | $10.3M |
| Chickasha Facility | Chickasha , OK | 73018 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| March 1, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 1, 2007 | Structure Change | Acquired Cyril State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2003 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2003 | Structure Change | Acquired Tri Star National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 2001 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2001 | Structure Change | Acquired The First American Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 30, 1994 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 30, 1994 | Structure Change | Acquired The First National Bank of Alex Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 8 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.6% of deposits in OK, rank 28 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 196 applications, 82 loans originated, $15.6M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $1.2M approved, $1.2M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 Brooks Bank, N.A.
What are Brooks Bank, N.A.'s total assets?
As of the Q2 2026 filing, Brooks Bank, N.A. reported total assets of $1.07 billion in its FFIEC call report.
Where is Brooks Bank, N.A. headquartered?
It is headquartered in Chickasha, OK, United States.
When was Brooks Bank, N.A. founded?
It was established in 1892, per the FDIC institution directory.
Is Brooks Bank, N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #4062). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Brooks Bank, N.A.?
Brooks Bank, N.A.'s primary federal regulator is the OCC.
How many branches does Brooks Bank, N.A. operate?
It operates 9 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Brooks Bank, N.A.'s Texas Ratio?
Its Texas Ratio is 11.62% 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.
What was Brooks Bank, N.A. previously called?
The charter now named Brooks Bank, N.A. has also operated as The First National Bank and Trust Co., Chickasha, Oklahoma (1965-2026), The First National Bank in Chickasha (1939-1965), per FDIC structure-change records.
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