Bank Safety Analysis
Is The First Farmers National Bank of Waurika Safe? Waurika, Oklahoma
Based on its Q3 2026 call report, The First Farmers National Bank of Waurika meets the community bank leverage ratio test for well capitalized, its Texas ratio is 0.00%, and its deposits are FDIC insured up to $250,000 per depositor.
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Short answer: is The First Farmers National Bank of Waurika safe?
On its Q3 2026 call report, The First Farmers National Bank of Waurika's Community Bank Leverage Ratio is 19.73%, above the 8% threshold that makes a community bank well capitalized.
- CET1 ratio (Q3 2026): not reported (community bank leverage ratio filer)
- Community Bank Leverage Ratio (Q3 2026): 19.73%
- Texas ratio (Q3 2026): 0.00%
- Noncurrent loans ratio (Q3 2026): 0.00%
The First Farmers National Bank of Waurika is an FDIC-insured commercial bank (FDIC Certificate #4222). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Source: the FFIEC call report The First Farmers National Bank of Waurika (FDIC Certificate #4222) filed for the quarter ended September 30, 2026. BankRegReports computes every ratio on this page from that filing.
Context: largest US bank failures.
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The First Farmers National Bank of Waurika passes all 5 safety dimensions, with capital, asset quality, and stress buffers above the concern bands.
Compared with Q2 2026, return on assets fell 0.19 percentage points in Q3 2026 to 1.33%, the biggest move on this page. On leverage ratio, The First Farmers National Bank of Waurika ranks 5th highest among the 168 banks headquartered in Oklahoma, at 19.73% (Q3 2026). The First Farmers National Bank of Waurika's leverage ratio of 19.73% is well above the 12.88% median for banks in the < $100M asset tier, a gap of 6.85 points (Q3 2026).
From Q4 2023 to Q3 2026, The First Farmers National Bank of Waurika's Texas ratio ranged between 0.00% (Q3 2026) and 0.79% (Q1 2024). Between Q3 2025 and Q3 2026, The First Farmers National Bank of Waurika's nonperforming loan ratio (nonaccrual plus 90+ days past due) fell from 0.04% to 0.00%, Texas ratio fell from 0.07% to 0.00% and return on assets rose from 1.17% to 1.33%.
The First Farmers National Bank of Waurika ranks as the 155th largest of the 168 banks based in Oklahoma, by total assets at Q3 2026. Agricultural production loans are its largest loan category, $12.3M of $18.2M in total loans on its September 30, 2026 call report. Against the 567 banks with under $100M in assets for Q3 2026, The First Farmers National Bank of Waurika's community bank leverage ratio of 19.73% is above the 12.88% median, nonperforming loans ratio of 0.00% is below the 0.36% median, Texas ratio of 0.00% is below the 1.89% median, and efficiency ratio of 56.49% is below the 69.32% median.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating.
The First Farmers National Bank of Waurika's 12-month failure risk score is <0.01 out of 100, on the model's 1-year horizon. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety. How the failure model was trained and tested.
How does The First Farmers National Bank of Waurika score on capital, credit and costs?
Peer cohort: Under $100M (568 banks) · Industry averages as of Q3 2026.
Median of the 567 banks with under $100M in assets, Q3 2026: 12.88%.
Median of the 567 banks with under $100M in assets, Q3 2026: 12.88%.
Median of the 567 banks with under $100M in assets, Q3 2026: 0.36%.
Median of the 567 banks with under $100M in assets, Q3 2026: 1.89%.
Median of the 567 banks with under $100M in assets, Q3 2026: 69.32%.
Does The First Farmers National Bank of Waurika trip any risk screens?
Latest filing (Q3 2026), passing screens included.
| Screen | Value | Result |
|---|---|---|
| CET1 capital ratio supervisory threshold | — | Not reported |
| Texas ratio BankRegReports band | 0.00% | Within range |
| Nonperforming loan ratio BankRegReports band | 0.00% | Within range |
| Uninsured deposit share BankRegReports band | — | Not reported |
| Loan-to-deposit ratio BankRegReports band | 38.76% | Within range |
| Commercial real estate to capital supervisory threshold | 0.00% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Within range |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q3 2026 | 0.00% |
| Q2 2026 | 0.00% |
| Q1 2026 | 0.00% |
| Q4 2025 | 0.00% |
| Q3 2025 | 0.07% |
| Q2 2025 | 0.08% |
| Q1 2025 | 0.13% |
| Q4 2024 | 0.19% |
| Q3 2024 | 0.29% |
| Q2 2024 | 0.45% |
| Q1 2024 | 0.79% |
| Q4 2023 | 0.66% |
Loans by type, Q3 2026
- Agricultural production loans: $12.3M
- Other consumer loans: $939K
- Owner-occupied commercial real estate loans: $915K
- Auto loans: $725K
- Commercial and industrial loans: $575K
- 1-4 family residential loans: $351K
How have The First Farmers National Bank of Waurika's safety ratios changed?
| Quarter end | Total assets | Leverage (CBLR) | NPL ratio | Texas ratio | Efficiency |
|---|---|---|---|---|---|
| Sep 30, 2026 | $54.7M | 19.73% | 0.00% | 0.00% | 56.49% |
| Jun 30, 2026 | $55.5M | 19.31% | 0.00% | 0.00% | 48.72% |
| Mar 31, 2026 | $58.0M | 19.16% | 0.00% | 0.00% | 51.97% |
| Dec 31, 2025 | $57.2M | 19.42% | 0.00% | 0.00% | 82.08% |
| Sep 30, 2025 | $54.8M | 19.56% | 0.04% | 0.07% | 57.82% |
| Jun 30, 2025 | $52.8M | 19.16% | 0.04% | 0.08% | 56.57% |
| Mar 31, 2025 | $55.0M | 18.67% | 0.05% | 0.13% | 55.97% |
| Dec 31, 2024 | $56.4M | 18.74% | 0.08% | 0.19% | 82.81% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is The First Farmers National Bank of Waurika FDIC insured?
Yes. The First Farmers National Bank of Waurika is an FDIC-insured commercial bank (FDIC Certificate #4222). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is The First Farmers National Bank of Waurika well capitalized?
On its Q3 2026 call report, The First Farmers National Bank of Waurika's Community Bank Leverage Ratio is 19.73%, above the 8% threshold that makes a community bank well capitalized. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the OCC, applies.
What are The First Farmers National Bank of Waurika's key safety ratios?
For Q3 2026, The First Farmers National Bank of Waurika reports leverage 19.73%, Texas ratio 0.00%, noncurrent loans 0.00%. Its Texas ratio compares with the 1.89% median for the 567 banks with under $100M in assets.
What happens to my deposits if The First Farmers National Bank of Waurika fails?
For Q3 2026, The First Farmers National Bank of Waurika reported $46.9M in total deposits. If it failed, the FDIC would pay insured deposits up to $250,000 per depositor.
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Where does this data come from?
Not investment advice. See the full The First Farmers National Bank of Waurika profile.
How we score this
The First Farmers National Bank of Waurika elects the community bank leverage ratio, so it reports no risk-based capital ratios. Under Prompt Corrective Action (12 CFR 324.403) and that framework it is well capitalized above 8% from July 1, 2026 (9% before), with a grace band one point below. Banks that do not elect it are graded on the CET1 ratio and the Tier 1 and total capital ratios.
Every ratio The First Farmers National Bank of Waurika is graded on is inside its pass band. Every ratio's definition, bands and risk screen.
Not a credit rating. Methodology.
Regulator records: FDIC BankFind (cert 4222) · FFIEC NIC profile (RSSD 353957)
Explore: Full The First Farmers National Bank of Waurika profile · Other banks in OK · Metric glossary · How the call report works
Ratio definitions: loan to deposit ratio, net interest margin, efficiency ratio, CET1 ratio, tier 1 capital and PPNR.