First American Bank (Stonewall, OK)
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Data as of · sourced from FFIEC call reports. How we update
First American Bank is an FDIC-insured commercial bank headquartered in Stonewall, OK, established in 1940 (FDIC certificate 15762), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $34.3M, down 6.1% from Q2 2025, the 161st largest of 169 banks headquartered in Oklahoma. It reports no CET1 ratio; its Tier 1 leverage ratio was 13.06% 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
- 15762
- Headquarters
- Stonewall, OK
- Established
- 1940
- Total assets, Q2 2026
- $34.3M
- Assets vs Q2 2025
- -6.1%
- Tier 1 leverage ratio, Q2 2026
- 13.06%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 103105637
- Latest call report
- Q2 2026, FFIEC 041 · First American Bank call report
- Asset rank in state
- 161st of 169 in Oklahoma
First American Bank, based in Stonewall, Oklahoma, reported $34 million in assets at June 30, 2026, down 6.1% from a year earlier. It lost 7.5% of its deposits over the year, lower than about 9 in 10 of the 583 banks with less than $100 million in assets (median 2.5%). It also keeps 5.18 cents of net interest income on every dollar of earning assets, higher than about three-quarters of banks its size (median 3.87 cents).
Its $5.4 million commercial and industrial book is improving, with 3.89% past due or on nonaccrual, down from 7.04% a year earlier. Problem loans roughly halved over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.67% of loans from 1.41%.
As of June 30, 2026, First American Bank reported a return on assets of 1.85%, a nonperforming-loan ratio of 0.67% and a Texas ratio of 3.22%. The figures come from its call report filed with the FFIEC.
Of the 169 banks headquartered in Oklahoma, First American Bank is the 161st largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 5.0% to $34.3M, loans fell 4.1% and deposits fell 6.1%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 29.4% of total loans, ahead of commercial and industrial loans at 24.9%. The FDIC Summary of Deposits lists a single office for it, in Stonewall, OK. Judged on its Q2 2026 call report, First American Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 301 West Main Street, Stonewall, OK 74871
- County
- Pontotoc
- Metro Area
- Ada, 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 041
- Established
- July 4, 1940
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 9
- Domestic deposits
- $29.5M
- Allowance for credit losses
- $454K
- Net charge-offs (YTD)
- -$10K
- Average total assets
- $35.5M
- Average total loans
- $21.9M
- Average interest-bearing deposits
- $23.9M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 4, 1940
- FDIC Cert
- 15762
- Fed RSSD
- 321255
- Website
- www.fabstonewall.com →
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, First American Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
First American Bank's total assets moved between a low of $33.5M (Q4 2024) and a high of $37.2M (Q1 2025) 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
$34.3M total assets against $36.5M; $29.7M total liabilities against $32.0M.
$21.2M net loans and leases against $23.1M; $29.5M total deposits against $31.9M.
$5.9M securities against $5.0M; $6.1M cash and balances due against $7.2M.
$527K total interest income against $525K; $91K total interest expense against $92K.
$436K net interest income against $433K.
$33K total noninterest income against $31K; $305K total noninterest expense against $314K.
$0 provision for credit losses against $10K.
$164K net income against $140K.
1.85% return on assets against 1.53%; 5.18% net interest margin against 4.99%.
13.06% tier 1 leverage ratio against 12.31%.
Inside the full First American Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.21% (Q1 2025) to 1.85% (Q2 2026) and its net interest margin ran from 4.67% (Q1 2026) to 5.51% (Q4 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.06% | 1.85% | 0.67% | 3.22% | 5.18% |
| Q1 2026 | 12.66% | 1.24% | 1.03% | 5.31% | 4.67% |
| Q4 2025 | 12.95% | 1.41% | 1.14% | 5.77% | 4.99% |
| Q3 2025 | 12.61% | 1.21% | 1.32% | 7.16% | 4.91% |
| Q2 2025 | 12.31% | 1.53% | 1.41% | 8.01% | 4.99% |
| Q1 2025 | 12.47% | 1.21% | 1.79% | 10.15% | 4.75% |
| Q4 2024 | 13.06% | 1.25% | 0.08% | 1.72% | 5.51% |
| Q3 2024 | 12.82% | 1.38% | 0.33% | 3.86% | 5.31% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 |
|---|---|---|---|
| First American Bank (main office) | Stonewall , OK | 74871 | $29.5M |
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 |
|---|---|---|---|
| April 11, 2003 | Structure Change | Acquired First American Bancorp, Inc. 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 1 event.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in OK, rank 181 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, 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 First American Bank
What are First American Bank's total assets?
As of the Q2 2026 filing, First American Bank reported total assets of $34.3 million in its FFIEC call report.
Where is First American Bank headquartered?
It is headquartered in Stonewall, OK, United States.
When was First American Bank founded?
It was established in 1940, per the FDIC institution directory.
Is First American Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #15762). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First American Bank?
First American Bank's primary federal regulator is the FDIC.
How many branches does First American Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First American Bank's Texas Ratio?
Its Texas Ratio is 3.22% 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.
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