Cattlemens Bank
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Data as of · sourced from FFIEC call reports. How we update
Cattlemens Bank is an FDIC-insured commercial bank headquartered in Altus, OK, established in 1910 (FDIC certificate 12285), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $595.2M, up 9.6% from Q2 2025, the 46th largest of 169 banks headquartered in Oklahoma. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.28% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 12285
- Headquarters
- Altus, OK
- Established
- 1910
- Total assets, Q2 2026
- $595.2M
- Assets vs Q2 2025
- +9.6%
- Tier 1 leverage ratio, Q2 2026
- 10.28%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 103107622
- Holding company
- REEVES BANCSHARES, INC.
- Asset rank in state
- 46th of 169 in Oklahoma
Cattlemens Bank pays more for its money than most banks of its size. Based in Altus, Oklahoma, it had $595 million in assets at June 30, 2026, up 9.6% from a year earlier. It pays an average of 2.87% on its deposits and borrowings, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 1.80%). It also holds commercial real estate loans worth 2.9 times its capital, 2.4 times the median of 1.2 times for banks its size.
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 0.29% of loans from 1.27%. Earnings jumped: net income for the quarter was $2.1 million, 55% above the same quarter a year earlier.
As of June 30, 2026, Cattlemens Bank reported a return on assets of 1.42%, a nonperforming-loan ratio of 0.29% and a Texas ratio of 2.49%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Cattlemens Bank is the 46th largest of the 169 banks headquartered in Oklahoma. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 1.2% to $595.2M, loans rose 2.4% and deposits rose 2.9%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 21.9% of total loans, ahead of agricultural production loans at 21.8%. The FDIC Summary of Deposits lists 7 offices for it, in 7 cities across 2 states; its Dallas office books 35% of its branch deposits. Judged on its Q2 2026 call report, Cattlemens Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 3421 N Main St, Altus, OK 73521
- County
- Jackson
- Metro Area
- Altus, OK
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1910
- Former names
- Stockmans Bank (1998-2021)
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 75
- Domestic deposits
- $468.9M
- Allowance for credit losses
- $4.9M
- Net charge-offs (YTD)
- -$12K
- Average total assets
- $591.3M
- Average total loans
- $520.0M
- Average interest-bearing deposits
- $385.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 12285
- Fed RSSD
- 284556
- SEC CIK
- 1780752 → filed by REEVES BANCSHARES, INC.
- Website
- www.cattlemensbank.com →
- Parent Holding Company
- REEVES BANCSHARES, INC. (RSSD 1057216)
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. 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, Cattlemens Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Cattlemens Bank's total assets ranged from $496.2M (Q4 2023) to $595.2M (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
$595.2M total assets against $543.3M; $534.6M total liabilities against $492.6M.
$520.5M net loans and leases against $471.0M; $468.9M total deposits against $434.8M.
$2.8M securities against $7.5M; $46.5M cash and balances due against $43.2M.
$9.7M total interest income against $9.1M; $3.7M total interest expense against $3.9M.
$6.0M net interest income against $5.2M.
$319K total noninterest income against $333K; $3.8M total noninterest expense against $3.4M.
$155K provision for credit losses against $164K.
$2.1M net income against $1.4M.
1.42% return on assets against 1.01%; 4.19% net interest margin against 3.98%.
10.28% tier 1 leverage ratio against 9.47%.
Inside the full Cattlemens Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Cattlemens Bank rankings
Its closest position to the top of a national ranking is 1,558 of 4,196, for total assets; its furthest is 2,046 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.67% (Q1 2025) to 1.42% (Q2 2026) and its net interest margin ran from 3.62% (Q3 2024) to 4.19% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.28% | 1.42% | 0.29% | 2.49% | 4.19% |
| Q1 2026 | 10.00% | 1.16% | 0.48% | 2.07% | 4.05% |
| Q4 2025 | 9.43% | 1.03% | 0.58% | 2.80% | 4.10% |
| Q3 2025 | 9.58% | 1.20% | 2.44% | 18.53% | 4.11% |
| Q2 2025 | 9.47% | 1.01% | 1.65% | 10.97% | 3.98% |
| Q1 2025 | 9.50% | 0.67% | 0.99% | 8.75% | 3.81% |
| Q4 2024 | 9.55% | 1.29% | 1.63% | 13.74% | 3.76% |
| Q3 2024 | 9.43% | 1.10% | 1.67% | 13.35% | 3.62% |
Swipe the table sideways to see every column.
Branch Network
View all 7 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 |
|---|---|---|---|
| Addison Branch | Dallas , TX | 75248 | $162.5M |
| Cattlemens Bank (main office) | Altus , OK | 73521 | $143.1M |
| Mangum Branch | Mangum , OK | 73554 | $64.0M |
| Hollis Branch | Hollis , OK | 73550 | $48.5M |
| Gould Branch | Gould , OK | 73544 | $26.6M |
| Cattlemens Bank Ft Worth Branch | Fort Worth , TX | 76109 | $18.0M |
| Stockmans Branch | Eldorado , OK | 73537 | $6.3M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in OK, rank 80 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 38 applications, 28 loans originated, $13.6M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $100K approved, $100K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2004 (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 Cattlemens Bank
What are Cattlemens Bank's total assets?
As of the Q2 2026 filing, Cattlemens Bank reported total assets of $595.2 million in its FFIEC call report.
Where is Cattlemens Bank headquartered?
It is headquartered in Altus, OK, United States.
When was Cattlemens Bank founded?
It was established in 1910, per the FDIC institution directory.
Is Cattlemens Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #12285). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Cattlemens Bank?
Cattlemens Bank's primary federal regulator is the FDIC.
How many branches does Cattlemens Bank operate?
It operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Cattlemens Bank's Texas Ratio?
Its Texas Ratio is 2.49% 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 Cattlemens Bank previously called?
The charter now named Cattlemens Bank has also operated as Stockmans Bank (1998-2021), per FDIC structure-change records.
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