First Bank of Thomas
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Data as of · sourced from FFIEC call reports. How we update
First Bank of Thomas is an FDIC-insured commercial bank headquartered in Thomas, OK, established in 1904 (FDIC certificate 4209), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $63.2M, up 15.5% from Q2 2025, the 149th largest of 169 banks headquartered in Oklahoma. Its CET1 capital ratio was 28.64% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 4209
- Headquarters
- Thomas, OK
- Established
- 1904
- Total assets, Q2 2026
- $63.2M
- Assets vs Q2 2025
- +15.5%
- CET1 ratio, Q2 2026
- 28.64%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 103103147
- Latest call report
- Q2 2026, FFIEC 051 · First Bank of Thomas call report
- Holding company
- FIRST THOMAS BAN CORP.
- Asset rank in state
- 149th of 169 in Oklahoma
Problem loans are rising at First Bank of Thomas. The Thomas, Oklahoma bank had $63 million in assets at June 30, 2026, up 15.5% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 2.29% of loans from 1.46% a year earlier. It grew deposits 17.7% over the year, 7.1 times the median of 2.5% for the 583 banks with less than $100 million in assets. It also holds commercial real estate loans worth 1.1 times its capital, 4.3 times the median of 26% for banks its size.
Deposits are coming in faster than loans: over the year loans rose 6.6% and deposits rose 17.7%. Its margin is thin by comparison: it keeps 3.03 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.87 cents).
As of June 30, 2026, First Bank of Thomas reported a CET1 capital ratio of 28.64%, a return on assets of 1.13%, a nonperforming-loan ratio of 2.29% and a Texas ratio of 8.00%. The figures come from its call report filed with the FFIEC.
First Bank of Thomas ranks as the 149th largest of the 169 banks based in Oklahoma, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 8.3% to $63.2M, loans fell 4.8% and deposits rose 9.1%. 1-4 family residential loans made up 26.4% of its total loans on June 30, 2026, its largest category; next came construction and land development loans at 19.1%. The FDIC Summary of Deposits lists a single office for it, in Thomas, OK. On its Q2 2026 call report, First Bank of Thomas meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 301 W Broadway St, Thomas, OK 73669
- County
- Custer
- Metro Area
- Weatherford, OK
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- May 28, 1904
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 7
- Domestic deposits
- $55.7M
- Allowance for credit losses
- $531K
- Net charge-offs (YTD)
- $0
- Average total assets
- $63.0M
- Average total loans
- $29.4M
- Average interest-bearing deposits
- $45.3M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 4209
- Fed RSSD
- 328058
- Website
- www.fnbthomas.com →
- Parent Holding Company
- FIRST THOMAS BAN CORP. (RSSD 1057636)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
First Bank of Thomas's total assets moved between a low of $48.8M (Q4 2023) and a high of $63.2M (Q2 2026) 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
$63.2M total assets against $54.7M; $55.7M total liabilities against $47.4M.
$27.5M net loans and leases against $25.8M; $55.7M total deposits against $47.3M.
$5.1M securities against $5.2M; $30.0M cash and balances due against $23.1M.
$775K total interest income against $728K; $302K total interest expense against $244K.
$473K net interest income against $484K.
$42K total noninterest income against $41K; $337K total noninterest expense against $326K.
$0 provision for credit losses against $15K.
$178K net income against $184K.
1.13% return on assets against 1.35%; 3.03% net interest margin against 3.58%.
28.64% CET1 capital ratio against 30.51%; 12.63% tier 1 leverage ratio against 14.58%.
Inside the full First Bank of Thomas terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.65% (Q4 2024) to 1.46% (Q3 2025) and its net interest margin ran from 3.03% (Q2 2026) to 3.58% (Q2 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 28.64% | 1.13% | 2.29% | 8.00% | 3.03% |
| Q1 2026 | 26.60% | 1.19% | 2.19% | 8.23% | 3.26% |
| Q4 2025 | 28.65% | 1.16% | 1.82% | 6.60% | 3.49% |
| Q3 2025 | 28.63% | 1.46% | 1.89% | 6.80% | 3.56% |
| Q2 2025 | 30.51% | 1.35% | 1.46% | 4.88% | 3.58% |
| Q1 2025 | 30.48% | 1.20% | 1.69% | 5.65% | 3.30% |
| Q4 2024 | 32.20% | 0.65% | 1.76% | 5.51% | 3.48% |
| Q3 2024 | 31.39% | 1.27% | 1.02% | 3.16% | 3.43% |
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 Bank of Thomas (main office) | Thomas , OK | 73669 | $55.7M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in OK, rank 166 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 Bank of Thomas
What are First Bank of Thomas's total assets?
As of the Q2 2026 filing, First Bank of Thomas reported total assets of $63.2 million in its FFIEC call report.
Where is First Bank of Thomas headquartered?
It is headquartered in Thomas, OK, United States.
When was First Bank of Thomas founded?
It was established in 1904, per the FDIC institution directory.
Is First Bank of Thomas FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #4209). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Bank of Thomas?
First Bank of Thomas's primary federal regulator is the Federal Reserve.
What is First Bank of Thomas's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 28.64% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First Bank of Thomas 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 Bank of Thomas's Texas Ratio?
Its Texas Ratio is 8.00% 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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