The First Bank of Okarche
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Data as of · sourced from FFIEC call reports. How we update
The First Bank of Okarche is an FDIC-insured commercial bank headquartered in Okarche, OK, established in 1892 (FDIC certificate 1165), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $137.5M, down 1.3% from Q2 2025, the 116th largest of 169 banks headquartered in Oklahoma. It reports no CET1 ratio; its Tier 1 leverage ratio was 16.13% 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
- 1165
- Headquarters
- Okarche, OK
- Established
- 1892
- Total assets, Q2 2026
- $137.5M
- Assets vs Q2 2025
- -1.3%
- Tier 1 leverage ratio, Q2 2026
- 16.13%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 103108443
- Latest call report
- Q2 2026, FFIEC 051 · The First Bank of Okarche Q3 2026 call report, filed October 9, 2026 (preliminary)
- Asset rank in state
- 116th of 169 in Oklahoma
Problem loans are rising at The First Bank of Okarche. The Okarche, Oklahoma bank had $137 million in assets at June 30, 2026, down 1.3% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.04% of loans from 0.00% a year earlier. It earns about $2.23 a year on every $100 of assets, higher than about 9 in 10 of the 2,627 banks with $100 million to $1 billion in assets (median $1.28). It also spends about 34 cents to bring in each dollar of revenue, lower than about 9 in 10 banks its size (median 61 cents).
Paper losses on its bond portfolio are shrinking: unrealized losses of $14 million equal 63% of Tier 1 capital, down from 70% a year earlier. The commercial and industrial book ($4.7 million) is worsening: 11.15% of it is past due or on nonaccrual, up from 3.12% a year earlier. One more trend to watch: net income for the quarter slipped 12% from a year earlier, to $768,000.
As of June 30, 2026, The First Bank of Okarche reported a return on assets of 2.23%, a nonperforming-loan ratio of 1.04% and a Texas ratio of 1.93%. The figures come from its call report filed with the FFIEC.
The First Bank of Okarche ranks as the 116th 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 fell 0.5% to $137.5M, loans fell 21.0% and deposits fell 1.1%. The largest part of its loan book on June 30, 2026 was agricultural production loans, at 56.2% of total loans, ahead of farmland and other real estate loans at 13.6%. Its one office in the FDIC Summary of Deposits is in Okarche, OK. On its Q2 2026 call report, The First Bank of Okarche meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 203 W Oklahoma, Okarche, OK 73762
- County
- Kingfisher
- Metro Area
- Oklahoma City, 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
- October 28, 1892
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 8
- Domestic deposits
- $114.1M
- Allowance for credit losses
- $1.1M
- Net charge-offs (YTD)
- -$39K
- Average total assets
- $138.0M
- Average total loans
- $48.4M
- Average interest-bearing deposits
- $73.1M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 1165
- Fed RSSD
- 918150
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, The First Bank of Okarche reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
The First Bank of Okarche's total assets moved between a low of $135.1M (Q3 2024) and a high of $139.6M (Q3 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
$137.5M total assets against $139.3M; $115.2M total liabilities against $119.2M.
$42.2M net loans and leases against $43.3M; $114.1M total deposits against $118.1M.
$50.3M securities against $50.3M; $40.6M cash and balances due against $41.3M.
$1.4M total interest income against $1.5M; $276K total interest expense against $278K.
$1.2M net interest income against $1.2M.
$56K total noninterest income against $57K; $412K total noninterest expense against $408K.
$45K provision for credit losses against $30K.
$768K net income against $868K.
2.23% return on assets against 2.52%; 3.51% net interest margin against 3.75%.
16.13% tier 1 leverage ratio against 14.62%.
Inside the full The First Bank of Okarche 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.
Held-to-maturity securities carry unrealized losses equal to more than a quarter of book equity. Because HTM is held at amortized cost, these losses are not reflected in reported capital, the dynamic that masked Silicon Valley Bank's insolvency before its March 2023 failure. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
The First Bank of Okarche rankings
Its closest position to the top of a national ranking is 79 of 3,606, for efficiency ratio; its furthest is 3,395 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 2.04% (Q4 2024) to 2.54% (Q3 2025) and its net interest margin ran from 3.51% (Q2 2026) to 3.92% (Q1 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.13% | 2.23% | 1.04% | 1.93% | 3.51% |
| Q1 2026 | 15.88% | 2.49% | 0.84% | 2.03% | 3.92% |
| Q4 2025 | 15.09% | 2.16% | 0.00% | 0.00% | 3.74% |
| Q3 2025 | 15.00% | 2.54% | 0.01% | 0.02% | 3.63% |
| Q2 2025 | 14.62% | 2.52% | 0.00% | 0.00% | 3.75% |
| Q1 2025 | 14.24% | 2.41% | 0.06% | 0.15% | 3.86% |
| Q4 2024 | 13.88% | 2.04% | 0.09% | 0.22% | 3.57% |
| Q3 2024 | 14.23% | 2.30% | 0.12% | 0.23% | 3.85% |
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 |
|---|---|---|---|
| The First Bank of Okarche | Okarche , OK | 73762 | $114.1M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in OK, rank 133 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $331K approved, $331K average. 0.00% 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, Mortgage lending (HMDA), 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 First Bank of Okarche
What are The First Bank of Okarche's total assets?
As of the Q2 2026 filing, The First Bank of Okarche reported total assets of $137.5 million in its FFIEC call report.
Where is The First Bank of Okarche headquartered?
It is headquartered in Okarche, OK, United States.
When was The First Bank of Okarche founded?
It was established in 1892, per the FDIC institution directory.
Is The First Bank of Okarche FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #1165). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The First Bank of Okarche?
The First Bank of Okarche's primary federal regulator is the FDIC.
How many branches does The First Bank of Okarche 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 The First Bank of Okarche's Texas Ratio?
Its Texas Ratio is 1.93% 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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