The City National Bank and Trust Company of Lawton, Oklahoma: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 260.18 percentage points higher than in Q1 2026, at 499.57%. Within Oklahoma, The City National Bank and Trust Company of Lawton, Oklahoma is 49th of 169 on return on assets, 1.85% as of Q2 2026, above the middle of the field. The City National Bank and Trust Company of Lawton, Oklahoma reported 1.85% on return on assets for Q2 2026, 0.60 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 13.87% |
| Equity capital to assets | 13.20% |
| Tangible equity to tangible assets | 13.20% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.38% |
| Non-performing assets ratio | 2.53% |
| Net charge-off ratio | 0.82% |
| Texas ratio | 17.79% |
| Allowance for credit losses to loans | 1.90% |
| Reserve coverage of non-performing loans | 499.57% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.85% |
| Return on equity | 14.07% |
| Net interest margin | 4.18% |
| Efficiency ratio | 79.96% |
| Yield on earning assets | 5.39% |
| Cost of funds | 1.30% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 80.72% |
| Core deposits to total deposits | 93.81% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 83.80% |
| Securities to assets | 14.48% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 17.68% | 17.68% | 18.93% | 12.48% | 1.54% |
| Q4 2023 | 17.43% | 17.43% | 18.69% | 12.88% | 1.70% |
| Q1 2024 | — | — | — | 13.28% | 1.50% |
| Q2 2024 | — | — | — | 13.21% | 1.59% |
| Q3 2024 | — | — | — | 13.23% | 1.65% |
| Q4 2024 | — | — | — | 13.46% | 1.66% |
| Q1 2025 | — | — | — | 13.63% | 1.26% |
| Q2 2025 | — | — | — | 13.58% | 1.64% |
| Q3 2025 | — | — | — | 13.57% | 1.83% |
| Q4 2025 | — | — | — | 13.90% | 2.37% |
| Q1 2026 | — | — | — | 13.99% | 1.48% |
| Q2 2026 | — | — | — | 13.87% | 1.85% |
The City National Bank and Trust Company of Lawton, Oklahoma vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The City National Bank and Trust Company of Lawton, Oklahoma, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The City National Bank and Trust Company of Lawton, Oklahoma profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4132) · FFIEC NIC profile (RSSD 294751)