The First Farmers National Bank of Waurika
The First Farmers National Bank of Waurika is an FDIC-insured commercial bank headquartered in Waurika, OK, supervised by the OCC, with $54.7M in total assets at Q3 2026, little changed from Q3 2025, the 155th largest of 168 banks headquartered in Oklahoma. It was established in 1906 and holds FDIC certificate 4222. It reports no CET1 ratio; its Tier 1 leverage ratio was 19.73% at Q3 2026, above the 8% community bank leverage ratio requirement for being considered well capitalized.
Also written as FFNB of Waurika
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Data as of · sourced from FFIEC call reports. How we update
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 4222
- Headquarters
- Waurika, OK
- Established
- 1906
- Total assets, Q3 2026
- $54.7M
- Assets vs Q3 2025
- 0.0%
- Tier 1 leverage ratio, Q3 2026
- 19.73%
- Domestic offices
- 1 branch
- Routing number
- 103101738
- Safety and soundness
- Is The First Farmers National Bank of Waurika safe?
- Latest call report
- Q3 2026, FFIEC 051 · The First Farmers National Bank of Waurika call report
- Asset rank in state
- 155th of 168 in Oklahoma
The First Farmers National Bank of Waurika, based in Waurika, Oklahoma, reported $55 million in assets at September 30, 2026. It carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 of the 526 banks with less than $100 million in assets (median 1.6%). It also funds 19.73% of its assets with Tier 1 capital, higher than about three-quarters of banks its size (median 13.05%).
Unrealized losses on its securities total $4.1 million, equal to 35% of Tier 1 capital, against 28% a year earlier. Loans are outrunning deposits: over the year loans rose 7.0% and deposits rose 0.9%. Its margin is thin by comparison: it keeps 3.27 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.99 cents).
As of September 30, 2026, The First Farmers National Bank of Waurika reported a return on assets of 1.33%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
By total assets at Q3 2026, The First Farmers National Bank of Waurika is the 155th largest of the 168 banks headquartered in Oklahoma. Between Q2 2026 and Q3 2026, its total assets fell 1.4% to $54.7M, loans rose 1.6% and deposits fell 0.4%. Its loan book on September 30, 2026 was led by agricultural production loans, at 67.8% of total loans, followed by farmland and other real estate loans at 12.9%. The FDIC Summary of Deposits lists a single office for it, in Waurika, OK. By the capital ratios in its Q3 2026 call report, The First Farmers National Bank of Waurika meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 319 E D Ave, Waurika, OK 73573
- County
- Jefferson
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- 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
- March 26, 1906
- Former names
- The First Farmers National Bank of Waurika (1972)
- Domestic offices
- 1 branch
- Employees (FTE)
- 11
- Domestic deposits
- $46.9M
- Allowance for credit losses
- $1.0M
- Net charge-offs (YTD)
- $24K
- Average total assets
- $60.0M
- Average total loans
- $18.5M
- Average interest-bearing deposits
- $37.1M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 4222
- Fed RSSD
- 353957
- Website
- https://www.ffnbank.com →
Profitability
Q3 annualizedBalance Sheet
Income Statement
Operating & Funding
Watch The First Farmers National Bank of Waurika: get a note when its numbers change. Free, no card required.
Ratios tagged annualized use the Q3 income alone. The UBPR and FDIC annualize the year to date instead. As a community bank leverage ratio filer, The First Farmers National Bank of Waurika reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q4 2023 to Q3 2026, The First Farmers National Bank of Waurika's total assets ranged from $51.8M (Q2 2024) to $58.0M (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q3 2026 with Q3 2025. How these charts are built
$54.7M total assets against $54.8M; $47.0M total liabilities against $46.6M.
$17.2M net loans and leases against $15.9M; $46.9M total deposits against $46.5M.
$27.8M securities against $29.3M; $8.6M cash and balances due against $8.4M.
$656K total interest income against $635K; $197K total interest expense against $222K.
$459K net interest income against $413K.
$18K total noninterest income against $11K; $278K total noninterest expense against $255K.
No provision recorded in the last 12 quarters.
$199K net income against $169K.
1.33% return on assets against 1.17%; 3.27% net interest margin against 3.12%.
19.73% tier 1 leverage ratio against 19.56%.
Inside the full The First Farmers National Bank of Waurika terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
From Q4 2024 to Q3 2026, its return on assets ran from 0.44% (Q4 2024) to 1.53% (Q1 2026) and its net interest margin ran from 3.08% (Q2 2025) to 3.53% (Q1 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q3 2026 | 19.73% | 1.33% | 0.00% | 0.00% | 3.27% |
| Q2 2026 | 19.31% | 1.52% | 0.00% | 0.00% | 3.30% |
| Q1 2026 | 19.16% | 1.53% | 0.00% | 0.00% | 3.53% |
| Q4 2025 | 19.42% | 0.45% | 0.00% | 0.00% | 3.24% |
| Q3 2025 | 19.56% | 1.17% | 0.04% | 0.07% | 3.12% |
| Q2 2025 | 19.16% | 1.20% | 0.04% | 0.08% | 3.08% |
| Q1 2025 | 18.67% | 1.32% | 0.05% | 0.13% | 3.24% |
| Q4 2024 | 18.74% | 0.44% | 0.08% | 0.19% | 3.13% |
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 Farmers National Bank of Waurika | Waurika , OK | 73573 | $47.1M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in OK, rank 177 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $40K approved, $40K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1999 (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 Farmers National Bank of Waurika
What are The First Farmers National Bank of Waurika's total assets?
As of the Q3 2026 filing, The First Farmers National Bank of Waurika reported total assets of $54.7 million in its FFIEC call report.
Where is The First Farmers National Bank of Waurika headquartered?
It is headquartered in Waurika, OK, United States.
When was The First Farmers National Bank of Waurika founded?
It was established in 1906, per the FDIC institution directory.
Is The First Farmers National Bank of Waurika FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #4222). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The First Farmers National Bank of Waurika?
The First Farmers National Bank of Waurika's primary federal regulator is the OCC.
How many branches does The First Farmers National Bank of Waurika 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 Farmers National Bank of Waurika's Texas Ratio?
Its Texas Ratio is 0.00% in its Q3 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 nonperforming assets against the bank's capital and reserves.
What was The First Farmers National Bank of Waurika previously called?
The charter now named The First Farmers National Bank of Waurika has also operated as The First Farmers National Bank of Waurika (1972), per FDIC structure-change records.
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