Bank Safety Analysis
Is The City National Bank and Trust Company of Lawton, Oklahoma Safe? Lawton, Oklahoma
Based 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, its Texas ratio is 17.68%, and its deposits are FDIC insured up to $250,000 per depositor.
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Short answer: is The City National Bank and Trust Company of Lawton, Oklahoma safe?
On its Q2 2026 call report, The City National Bank and Trust Company of Lawton, Oklahoma's Community Bank Leverage Ratio is 13.87%, above the 9% threshold that makes a community bank well capitalized.
- CET1 ratio (Q2 2026): not reported (community bank leverage ratio filer)
- Community Bank Leverage Ratio (Q2 2026): 13.87%
- Texas ratio (Q2 2026): 17.68%
- Noncurrent loans ratio (Q2 2026): 0.45%
The City National Bank and Trust Company of Lawton, Oklahoma is an FDIC-insured commercial bank (FDIC Certificate #4132). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Source: the FFIEC call report The City National Bank and Trust Company of Lawton, Oklahoma (FDIC Certificate #4132) filed for the quarter ended June 30, 2026. BankRegReports computes every ratio on this page from that filing.
Context: largest US bank failures.
The City National Bank and Trust Company of Lawton, Oklahoma meets regulatory minimums but is on the watch band for 1 of 5 safety dimensions. 1 risk screen is flagged: commercial real estate to capital.
The standout move of Q2 2026 was in nonperforming loan ratio (nonaccrual plus 90+ days past due): 0.40 percentage points lower than in Q1 2026, at 0.45%. The City National Bank and Trust Company of Lawton, Oklahoma ranks 31st of 169 Oklahoma banks on leverage ratio, in the upper half at 13.87% (Q2 2026). The City National Bank and Trust Company of Lawton, Oklahoma reported 13.87% on leverage ratio for Q2 2026, 2.91 points above the 10.95% median for banks in the $100M-1B asset tier. From Q3 2023 to Q2 2026, The City National Bank and Trust Company of Lawton, Oklahoma's Texas ratio ranged between 1.54% (Q4 2023) and 18.15% (Q3 2024). Between Q2 2025 and Q2 2026, The City National Bank and Trust Company of Lawton, Oklahoma's nonperforming loan ratio (nonaccrual plus 90+ days past due) fell from 0.62% to 0.45%, Texas ratio rose from 17.11% to 17.68% and return on assets rose from 1.64% to 1.85%.
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. Non-owner-occupied commercial real estate loans are its largest loan category, $95.7M of $301.8M in total loans on its June 30, 2026 call report. Against the 2,757 banks with $100M to $1B in assets for Q2 2026, The City National Bank and Trust Company of Lawton, Oklahoma's community bank leverage ratio of 13.87% is above the 10.95% median, nonperforming loans ratio of 0.45% is above the 0.41% median, Texas ratio of 17.68% is above the 2.65% median, and efficiency ratio of 79.96% is above the 61.41% median.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating.
Held-out test AUC 0.910 for the 1-year horizon (v20261026_025757). Trained on credit-driven community-bank failures, it carries little signal for interest-rate or deposit-flight risk. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety.
How does The City National Bank and Trust Company of Lawton, Oklahoma score on capital, credit and costs?
Peer cohort: $100M to $1B (2,660 banks) · Industry averages as of Q2 2026.
Median of the 2,757 banks with $100M to $1B in assets, Q2 2026: 10.95%.
Median of the 2,757 banks with $100M to $1B in assets, Q2 2026: 10.95%.
Median of the 2,757 banks with $100M to $1B in assets, Q2 2026: 0.41%.
Median of the 2,757 banks with $100M to $1B in assets, Q2 2026: 2.65%.
Median of the 2,757 banks with $100M to $1B in assets, Q2 2026: 61.41%.
Does The City National Bank and Trust Company of Lawton, Oklahoma trip any risk screens?
Latest filing (Q2 2026), passing screens included.
| Screen | Value | Result |
|---|---|---|
| CET1 capital ratio supervisory threshold | — | Not reported |
| Texas ratio BankRegReports band | 17.68% | Within range |
| Non-performing loan ratio BankRegReports band | 0.45% | Within range |
| Uninsured deposit share BankRegReports band | — | Not reported |
| Loan-to-deposit ratio BankRegReports band | 80.72% | Within range |
| Commercial real estate to capital supervisory threshold | 249.62% | Flagged |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Within range |
Capital ratio: last 2 quarters
| Quarter | CET1 (%) |
|---|---|
| Q4 2023 | 17.43% |
| Q3 2023 | 17.68% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2026 | 17.68% |
| Q1 2026 | 18.04% |
| Q4 2025 | 16.83% |
| Q3 2025 | 16.37% |
| Q2 2025 | 17.11% |
| Q1 2025 | 16.83% |
| Q4 2024 | 17.05% |
| Q3 2024 | 18.15% |
| Q2 2024 | 16.71% |
| Q1 2024 | 13.93% |
| Q4 2023 | 1.54% |
| Q3 2023 | 1.57% |
Loans by type, Q2 2026
- Non-owner-occupied commercial real estate loans: $95.7M
- 1-4 family residential loans: $82.2M
- Multifamily loans: $38.5M
- Construction and land development loans: $33.6M
- Owner-occupied commercial real estate loans: $25.9M
- Commercial and industrial loans: $8.1M
- Loans to states and political subdivisions: $7.0M
- Auto loans: $3.7M
How have The City National Bank and Trust Company of Lawton, Oklahoma's safety ratios changed?
| Quarter end | Total assets | Leverage (CBLR) | NPL ratio | Texas ratio | Efficiency |
|---|---|---|---|---|---|
| Jun 30, 2026 | $446.2M | 13.87% | 0.45% | 17.68% | 79.96% |
| Mar 31, 2026 | $445.1M | 13.99% | 0.85% | 18.04% | 82.64% |
| Dec 31, 2025 | $434.8M | 13.90% | 0.60% | 16.83% | 76.03% |
| Sep 30, 2025 | $442.9M | 13.57% | 0.57% | 16.37% | 80.09% |
| Jun 30, 2025 | $448.5M | 13.58% | 0.62% | 17.11% | 81.71% |
| Mar 31, 2025 | $446.7M | 13.63% | 0.99% | 16.83% | 84.95% |
| Dec 31, 2024 | $428.3M | 13.46% | 1.03% | 17.05% | 81.66% |
| Sep 30, 2024 | $439.9M | 13.23% | 1.07% | 18.15% | 81.11% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is The City National Bank and Trust Company of Lawton, Oklahoma FDIC insured?
Yes. The City National Bank and Trust Company of Lawton, Oklahoma is an FDIC-insured commercial bank (FDIC Certificate #4132). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is The City National Bank and Trust Company of Lawton, Oklahoma well capitalized?
On its Q2 2026 call report, The City National Bank and Trust Company of Lawton, Oklahoma's Community Bank Leverage Ratio is 13.87%, above the 9% threshold that makes a community bank well capitalized. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the OCC, applies.
What are The City National Bank and Trust Company of Lawton, Oklahoma's key safety ratios?
For Q2 2026, The City National Bank and Trust Company of Lawton, Oklahoma reports leverage 13.87%, Texas ratio 17.68%, noncurrent loans 0.45%. Its Texas ratio compares with the 2.65% median for the 2,757 banks with $100M to $1B in assets.
What happens to my deposits if The City National Bank and Trust Company of Lawton, Oklahoma fails?
For Q2 2026, The City National Bank and Trust Company of Lawton, Oklahoma reported $373.9M in total deposits. If it failed, the FDIC would pay insured deposits up to $250,000 per depositor.
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Free to use. It shows The City National Bank and Trust Company of Lawton, Oklahoma’s latest filed figures and updates each quarter.
Where does this data come from?
Not investment advice. See the full The City National Bank and Trust Company of Lawton, Oklahoma profile.
How we score this
The City National Bank and Trust Company of Lawton, Oklahoma elects the community bank leverage ratio, so it reports no risk-based capital ratios. Under Prompt Corrective Action (12 CFR 324.403) and that framework it is well capitalized above 8% from July 1, 2026 (9% before), with a grace band one point below. Banks that do not elect it are graded on the CET1 ratio and the Tier 1 and total capital ratios.
Community Bank Leverage Ratio: Tier 1 capital divided by average total assets, for a qualifying community bank that elects the simpler framework. Pass > 9.0% (CBLR elected); 8.0% from July 1, 2026, fail ≤ 8.0%.
Tier 1 Leverage Ratio: The same ratio as its community bank leverage ratio. Pass ≥ 5.0% (well-capitalized), fail < 4.0% (below minimum).
Nonperforming Loans (NPL) Ratio: Nonaccrual loans plus loans 90 or more days past due, divided by total loans. Pass < 1.5%, fail > 3.0%.
Texas Ratio: Problem assets (nonaccrual loans, loans 90+ days past due and still accruing, and OREO, net of U.S. government-guaranteed portions) divided by tangible equity plus the allowance for credit losses. Pass < 50%, fail > 100% (historical failure threshold).
Efficiency Ratio: Noninterest expense divided by revenue (net interest income plus noninterest income). Pass ≤ 75% (lower is better), fail ≥ 90%.
Risk screens, beyond those bands: Uninsured deposit share watch at 50%, concern at 70%; Loan-to-deposit ratio flags at 100% or above; Commercial real estate to capital watch at 200%, concern at 300%; Held-to-maturity unrealized loss to equity watch at 10%, concern at 25%; NPL, Texas ratio and efficiency bands are ours.
Not a credit rating. Methodology.