The City National Bank and Trust Company of Lawton, Oklahoma
The City National Bank and Trust Company of Lawton, Oklahoma is an FDIC-insured commercial bank headquartered in Lawton, OK, supervised by the OCC, with $446.2M in total assets at Q2 2026, down 0.5% from Q2 2025, the 61st largest of 169 banks headquartered in Oklahoma. It was established in 1901 and holds FDIC certificate 4132. It reports no CET1 ratio; its Tier 1 leverage ratio was 13.87% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
Also written as CNB&T
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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
- 4132
- Headquarters
- Lawton, OK
- Established
- 1901
- Total assets, Q2 2026
- $446.2M
- Assets vs Q2 2025
- -0.5%
- Tier 1 leverage ratio, Q2 2026
- 13.87%
- Domestic offices
- 39 · The City National Bank and Trust Company of Lawton, Oklahoma branches FDIC institution directory, current count
- Routing number
- 103100739
- Safety and soundness
- Is The City National Bank and Trust Company of Lawton, Oklahoma safe?
- Latest call report
- Q2 2026, FFIEC 041 · The City National Bank and Trust Company of Lawton, Oklahoma Q3 2026 call report, filed October 21, 2026 (preliminary)
- Holding company
- JRMB II, INC
- Asset rank in state
- 61st of 169 in Oklahoma
The City National Bank and Trust Company of Lawton, Oklahoma, based in Lawton, Oklahoma, reported $446 million in assets at June 30, 2026. It carries problem assets equal to 17.7% of the capital and reserves that would absorb them, 6.7 times the median of 2.7% for the 2,627 banks with $100 million to $1 billion in assets. It also shrank its loan book 3.8% over the year, lower than about 9 in 10 banks its size (median 5.5%).
Net income for the quarter rose 15% from a year earlier, to $2.1 million. Over the same year, loans shrank 3.8% and deposits grew 0.2%. Costs are the weak spot: it spends about 80 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
As of June 30, 2026, The City National Bank and Trust Company of Lawton, Oklahoma reported a return on assets of 1.85%, a nonperforming-loan ratio of 0.45% and a Texas ratio of 17.68%. The figures come from its call report filed with the FFIEC.
The City National Bank and Trust Company of Lawton, Oklahoma ranks as the 61st 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 0.3% to $446.2M, loans rose 0.2% and deposits rose 0.1%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 31.7% of total loans, followed by 1-4 family residential loans at 27.2%. The FDIC Summary of Deposits lists 39 offices for it, in 20 cities across 2 states; its Lawton 6 offices book 66% of its branch deposits. Judged on its Q2 2026 call report, The City National Bank and Trust Company of Lawton, Oklahoma meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 500 Montgomery Sq, Lawton, OK 73501
- County
- Comanche
- Metro Area
- Lawton, 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 041
- Established
- March 23, 1901
- Former names
- The City National Bank and Trust Company of Lawton, Oklahoma (1967)
- Domestic offices
- 39 FDIC institution directory, current count
- Employees (FTE)
- 342
- Domestic deposits
- $373.9M
- Allowance for credit losses
- $5.8M
- Net charge-offs (YTD)
- $921K
- Average total assets
- $442.9M
- Average total loans
- $303.2M
- Average interest-bearing deposits
- $281.6M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 4132
- Fed RSSD
- 294751
- SEC CIK
- 1506500 → filed by JRMB II, INC
- Website
- www.cnb1901.com →
- Parent Holding Company
- JRMB II, INC (RSSD 4208961)
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, The City National Bank and Trust Company of Lawton, Oklahoma 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, The City National Bank and Trust Company of Lawton, Oklahoma's total assets ranged from $428.3M (Q4 2024) to $456.3M (Q3 2023), 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
$446.2M total assets against $448.5M; $387.3M total liabilities against $390.3M.
$296.1M net loans and leases against $307.4M; $373.9M total deposits against $373.3M.
$64.6M securities against $57.0M; $50.5M cash and balances due against $45.4M.
$5.3M total interest income against $5.2M; $1.2M total interest expense against $1.3M.
$4.1M net interest income against $3.9M.
$8.2M total noninterest income against $8.1M; $9.9M total noninterest expense against $9.9M.
$321K provision for credit losses against $291K.
$2.1M net income against $1.8M.
1.85% return on assets against 1.64%; 4.18% net interest margin against 4.09%.
13.87% tier 1 leverage ratio against 13.58%.
Inside the full The City National Bank and Trust Company of Lawton, Oklahoma 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.
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.
The City National Bank and Trust Company of Lawton, Oklahoma rankings
Its closest position to the top of a national ranking is 229 of 3,640, for Texas Ratio; its furthest is 3,242 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.26% (Q1 2025) to 2.37% (Q4 2025) and its net interest margin ran from 3.98% (Q1 2025) to 4.40% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.87% | 1.85% | 0.45% | 17.68% | 4.18% |
| Q1 2026 | 13.99% | 1.48% | 0.85% | 18.04% | 4.06% |
| Q4 2025 | 13.90% | 2.37% | 0.60% | 16.83% | 4.40% |
| Q3 2025 | 13.57% | 1.83% | 0.57% | 16.37% | 4.21% |
| Q2 2025 | 13.58% | 1.64% | 0.62% | 17.11% | 4.09% |
| Q1 2025 | 13.63% | 1.26% | 0.99% | 16.83% | 3.98% |
| Q4 2024 | 13.46% | 1.66% | 1.03% | 17.05% | 3.99% |
| Q3 2024 | 13.23% | 1.65% | 1.07% | 18.15% | 4.06% |
Swipe the table sideways to see every column.
Branch Network
View all 39 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 City National Bank and Trust Company of Lawton, Oklahoma | Lawton , OK | 73501 | $201.1M |
| Lawton Marketplace Branch | Lawton , OK | 73505 | $19.5M |
| Mingo Valley Branch | Tulsa , OK | 74133 | $14.1M |
| Walmart Branch | Lawton , OK | 73505 | $8.7M |
| Tulsa Commerce Towers Branch | Tulsa , OK | 74135 | $6.9M |
| Duncan Branch | Duncan , OK | 73533 | $6.7M |
| Gore Boulevard Branch | Lawton , OK | 73505 | $6.4M |
| Westernview Branch | Oklahoma City , OK | 73139 | $6.4M |
| Wal-Mart West Branch | Lawton , OK | 73505 | $6.1M |
| Walmart Enid Branch | Enid , OK | 73703 | $5.5M |
| Woodland Hills Branch | Tulsa , OK | 74133 | $5.3M |
| Memorial & Penn Branch | Oklahoma City , OK | 73134 | $5.1M |
| Country Mart East Branch | Lawton , OK | 73501 | $5.1M |
| Ponca City Branch | Ponca City , OK | 74601 | $5.0M |
| Garnett Branch | Tulsa , OK | 74146 | $4.5M |
| Santa Fe Branch | Oklahoma City , OK | 73149 | $4.4M |
| El Reno Branch | El Reno , OK | 73036 | $4.4M |
| Glenpool Branch | Glenpool , OK | 74033 | $4.3M |
| Mustang Branch | Mustang , OK | 73064 | $4.2M |
| Del City Branch | Del City , OK | 73115 | $3.5M |
| Chickasha Branch | Chickasha , OK | 73018 | $3.5M |
| City National Bank, Edmond Branch | Edmond , OK | 73034 | $3.5M |
| Miami Branch | Miami , OK | 74354 | $3.4M |
| Shawnee Branch | Shawnee , OK | 74804 | $3.2M |
| Aspen Branch | Broken Arrow , OK | 74012 | $3.2M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 2 against individuals associated with it
- Period: Most recent action March 7, 2024. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in OK, rank 67 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 109 applications, 36 loans originated, $9.2M originated, across 5 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 3 loans, $465K approved, $155K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2023 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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 The City National Bank and Trust Company of Lawton, Oklahoma
What are The City National Bank and Trust Company of Lawton, Oklahoma's total assets?
As of the Q2 2026 filing, The City National Bank and Trust Company of Lawton, Oklahoma reported total assets of $446.2 million in its FFIEC call report.
Where is The City National Bank and Trust Company of Lawton, Oklahoma headquartered?
It is headquartered in Lawton, OK, United States.
When was The City National Bank and Trust Company of Lawton, Oklahoma founded?
It was established in 1901, per the FDIC institution directory.
Is The City National Bank and Trust Company of Lawton, Oklahoma FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #4132). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The City National Bank and Trust Company of Lawton, Oklahoma?
The City National Bank and Trust Company of Lawton, Oklahoma's primary federal regulator is the OCC.
How many branches does The City National Bank and Trust Company of Lawton, Oklahoma operate?
It operates 39 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The City National Bank and Trust Company of Lawton, Oklahoma's Texas Ratio?
Its Texas Ratio is 17.68% 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 The City National Bank and Trust Company of Lawton, Oklahoma previously called?
The charter now named The City National Bank and Trust Company of Lawton, Oklahoma has also operated as The City National Bank and Trust Company of Lawton, Oklahoma (1967), per FDIC structure-change records.
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